First Bank&Trust Co (FDIC #13946): Bank Stress & Real-Estate Credit Exposure
First Bank&Trust Co (FDIC Cert #13946): bank stress 57/100, moderate, STABLE over 7 days; parent FNBT BANCSHARES PERRY OK INC.
First Bank&Trust Co (#13946) lends in 3 counties across 1 state; First Bank&Trust Co (#13946) reaches 39 ZIP codes: Oklahoma 3 counties, 39 ZIPs.
First Bank&Trust Co (#13946) largest markets: Garfield County, OK (22 branches, 22 ZIPs) (#13946), Pawnee County, OK (12 branches, 12 ZIPs) (#13946), Noble County, OK (22 branches, 11 ZIPs) (#13946).
First Bank&Trust Co (#13946) reports $255.2 million in total assets; First Bank&Trust Co (#13946) equity $24.9 million (9.8% of First Bank&Trust Co (#13946) assets); First Bank&Trust Co (#13946) domestic deposits $229.3 million; First Bank&Trust Co (#13946) net income $2.2 million; First Bank&Trust Co (#13946) return on assets 1.73%; First Bank&Trust Co (#13946) return on equity 17.45%; First Bank&Trust Co (#13946) net interest income $5.3 million; First Bank&Trust Co (#13946) call report June 30, 2026.
First Bank&Trust Co (#13946) noncurrent real-estate loans: none reported; First Bank&Trust Co (#13946) net charge-offs on real estate 0.18%; First Bank&Trust Co (#13946) residential charge-offs 0.28%.
First Bank&Trust Co (#13946) net interest margin 4.37% against an eight-quarter First Bank&Trust Co (#13946) average of 4.38% (First Bank&Trust Co (#13946) compression 0.01 points); First Bank&Trust Co (#13946) non-residential real estate 28.1% of equity; First Bank&Trust Co (#13946) rate-exposure score 40/100, First Bank&Trust Co (#13946) fixed-rate trap 40/100; First Bank&Trust Co (#13946) risk type credit driven; First Bank&Trust Co (#13946) rate regime rates elevated, First Bank&Trust Co (#13946) snapshot October 19, 2026.
First Bank&Trust Co (#13946) stress score moved from 58.4 on June 22, 2026 to 56.7 on October 19, 2026; First Bank&Trust Co (#13946) ranged 56.7 to 58.4 over 116 snapshots.
First Bank&Trust Co (#13946) alerts: 3 counties; top First Bank&Trust Co (#13946) alert scores: Pawnee County, OK 44 (moderate); Covington County, OK 20 (low); Perry County, OK 20 (low).