First Bank&Trust Co (FDIC #27394): Bank Stress & Real-Estate Credit Exposure
First Bank&Trust Co (FDIC Cert #27394): bank stress 28/100, contained, STABLE over 7 days.
First Bank&Trust Co (#27394) lends in 8 counties across 1 state; First Bank&Trust Co (#27394) reaches 132 ZIP codes: Oklahoma 8 counties, 132 ZIPs.
First Bank&Trust Co (#27394) largest markets: Oklahoma County, OK (55 branches, 55 ZIPs) (#27394), Cleveland County, OK (46 branches, 23 ZIPs) (#27394), Carter County, OK (48 branches, 16 ZIPs) (#27394), Lincoln County, OK (32 branches, 16 ZIPs) (#27394), Payne County, OK (15 branches, 15 ZIPs) (#27394), Garvin County, OK (13 branches, 13 ZIPs) (#27394).
First Bank&Trust Co (#27394) reports $952.1 million in total assets; First Bank&Trust Co (#27394) equity $145.3 million (15.3% of First Bank&Trust Co (#27394) assets); First Bank&Trust Co (#27394) domestic deposits $802.1 million; First Bank&Trust Co (#27394) net income $10.5 million; First Bank&Trust Co (#27394) return on assets 2.20%; First Bank&Trust Co (#27394) return on equity 14.57%; First Bank&Trust Co (#27394) net interest income $21.3 million; First Bank&Trust Co (#27394) call report June 30, 2026.
First Bank&Trust Co (#27394) noncurrent real-estate loans 0.75% of its book; First Bank&Trust Co (#27394) residential 1.86%; First Bank&Trust Co (#27394) net charge-offs on real estate 5.71%; First Bank&Trust Co (#27394) multifamily charge-offs 1.35%; First Bank&Trust Co (#27394) residential charge-offs 10.79%.
First Bank&Trust Co (#27394) net interest margin 4.66% against an eight-quarter First Bank&Trust Co (#27394) average of 4.39% (First Bank&Trust Co (#27394) compression -0.27 points); First Bank&Trust Co (#27394) real-estate loans 75.1% of equity; First Bank&Trust Co (#27394) non-residential real estate 1078.8% of equity; First Bank&Trust Co (#27394) rate-exposure score 40/100, First Bank&Trust Co (#27394) fixed-rate trap 40/100; First Bank&Trust Co (#27394) risk type rate trapped; First Bank&Trust Co (#27394) rate regime rates elevated, First Bank&Trust Co (#27394) snapshot October 19, 2026.
First Bank&Trust Co (#27394) stress score moved from 29.1 on June 22, 2026 to 28 on October 19, 2026; First Bank&Trust Co (#27394) ranged 28 to 29.1 over 116 snapshots.
First Bank&Trust Co (#27394) alerts: 8 counties; top First Bank&Trust Co (#27394) alert scores: Duncan County, OK 14 (low); Healdton County, OK 14 (low); Lindsay County, OK 14 (low); Norman County, OK 14 (low); Oklahoma City County, OK 14 (low).