B
First National Bank & Trust, Elk City, Oklahoma
Rating Date
March 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
12.87
Return On
Assets
2.06%
Total
Assets
294.26M
Capital
27.85M
Total
Deposits
264.30M
Net
Income
6.60M
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Weiss Ratings First National Bank & Trust, Elk City, Oklahoma
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Rating B
Asset Quality Index 7.20
Capitalization Index 10.00
Liquidity Index 3.10
Profitability Index 8.60
Stability Index 6.30
Company Info First National Bank & Trust, Elk City, Oklahoma
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FDIC Number 4086
Phone Number (580) 225-2580
Website www.fnbec.bank
Asset Quality First National Bank & Trust, Elk City, Oklahoma
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1-Year Asset Growth -5.61%
5-Year Asset Growth -0.48%
5-Year Charge-Offs to Average Loans 0.03%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 0.96%
Non-Performing Loans to Capital 6.32%
Non-Performing Loans to Loans 1.53%
Balance Sheet First National Bank & Trust, Elk City, Oklahoma
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Total Assets 294.26M
Total Deposits 264.30M
Capital and Reserves First National Bank & Trust, Elk City, Oklahoma
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Capital 27.85M
Leverage Ratio 12.87
Loan Loss Reserves to Loans 1.87%
Risk-Based Capital Ratio --
Liquidity First National Bank & Trust, Elk City, Oklahoma
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Hot Money Ratio 34.16%
Liquidity Ratio 30.26%
Profitability First National Bank & Trust, Elk City, Oklahoma
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5-Year Return on Average Assets 2.09%
Net Income 6.60M
Net Interest Spread 3.87%
Operating Profit to Average Assets 2.06%
Overhead Efficiency Ratio 48.18%
Return on Assets 2.06%
Return on Equity 26.60%