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First Bank & Trust Co.


First Bank & Trust Co. is an FDIC insured institution headquartered at 923 W Main St, Duncan, OK 73533.
It was founded in 1988 and has approximately $1 billion in assets. Customers can open an account at one of its 11 branches.

Deposit Rates - January 01, 2026

SAVINGS RATES APY MIN
Savings
0.08% $1 Compare
Savings
0.20% $1 Compare
Savings
0.15% $1 Compare
CD RATES APY MIN
6 Mo CD
0.20% $1,000 Compare
6 Mo CD
0.35% $1,000 Compare
6 Mo CD
0.30% $1,000 Compare
6 Mo CD
0.25% $1,000 Compare
12 Mo CD
0.25% $1,000 Compare
12 Mo CD
0.40% $1,000 Compare
12 Mo CD
0.35% $1,000 Compare
12 Mo CD
0.30% $1,000 Compare
18 Mo CD
0.30% $1,000 Compare
18 Mo CD
0.45% $1,000 Compare
18 Mo CD
0.35% $1,000 Compare
18 Mo CD
0.40% $1,000 Compare
24 Mo CD
0.50% $1,000 Compare
24 Mo CD
0.35% $1,000 Compare
24 Mo CD
0.40% $1,000 Compare
30 Mo CD
0.50% $1,000 Compare
30 Mo CD
0.40% $1,000 Compare
30 Mo CD
0.35% $1,000 Compare
36 Mo CD
0.50% $1,000 Compare
36 Mo CD
0.45% $1,000 Compare
36 Mo CD
0.40% $1,000 Compare
48 Mo CD
0.50% $1,000 Compare
48 Mo CD
0.55% $1,000 Compare
48 Mo CD
0.45% $1,000 Compare
60 Mo CD
0.55% $1,000 Compare
60 Mo CD
0.60% $1,000 Compare
60 Mo CD
0.50% $1,000 Compare
MM RATES APY MIN
Money Market
0.08% $1 Compare
Money Market
0.10% $1 Compare
Money Market
0.08% $10,000 Compare
Money Market
0.10% $10,000 Compare
Money Market
0.08% $25,000 Compare
Money Market
0.10% $25,000 Compare
INT CHECKING RATES APY MIN
Int Ckg
0.05% $100




Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 27394
Date Established 1988
Assets $ 958.35 million
Loans $ 748.62 million
Deposits $ 819.96 million
Capital $ 133.92 million

Summary Balance Sheet as of June 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 24.41 million
Interest-bearing balances $ 10.45 million
Total securities $ 134.65 million
Federal funds sold and reverse repurchase $ 22.93 million
Net loans and leases $ 748.62 million
Loan loss allowance $ 10.84 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.31 million
Goodwill and other intangibles $ 5.09 million
All other assets $ 6.61 million
     Total Assets $ 824.43 million

LIABILITIES
Total deposits $ 819.96 million
      Interest-bearing deposits $ 593.32 million
      Deposits held in domestic offices $ 819.96 million
      % insured (estimated)" 58.86%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 0.46 million
Subordinated debt N.A.
All other liabilities $ 2.92 millionn
      Total Liabilities $ 824.43 million
      Shareholders’ Equity $ 133.92 million

Summary Income Statement as of June 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 27.83 million
Total Interest Expense $ 7.19 million
Net interest income $ 20.64 million
Provision for loan and lease losses $ 0.37 million
Total non interest income $ 3.83 million
Total non interest expense $ 13.47 million
Pre-tax Net Operating Income $ 5.97 million

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Branches

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First Bank & Trust Co. Locations

Savings Comparison

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis."

PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES

Tax Rate: 30%

All calculations are for demonstration purposes only."

  • 1
    LOCAL SAVINGS
    First Bank & Trust Co.
    Bank
    OKLAHOMA
    $50,000
    N.A.
    0.08%
    0.36x (National Avg. - 0.23%)
    $1
    -
    SCENARIO
    Year Rate
    0.08%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 40 28
    2 50,040 40 28
    3 50,080 40 28
    4 50,120 40 28
    5 50,160 40 28
    6 50,200 40 28
    7 50,240 40 28
    8 50,281 40 28
    9 50,321 40 28
    10 50,361 40 28
    11 50,401 40 28
    12 50,442 40 28
    13 50,482 40 28
    14 50,523 40 28
    15 50,563 40 28
    16 50,603 40 28
    17 50,644 41 28
    18 50,684 41 28
    19 50,725 41 28
    20 50,765 41 28
    TOTAL $806 $564
  • 2
    ONLINE SAVINGS
    First Foundation Bank , ★ TOP PICK ★
    Bank
    -
    $50,000
    N.A.
    3.75%
    16.67x (National Avg. - 0.23%)
    $1,000
    -
    SCENARIO
    Year Rate
    3.75%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,875 1,313
    2 51,875 1,945 1,362
    3 53,820 2,018 1,413
    4 55,839 2,094 1,466
    5 57,933 2,172 1,521
    6 60,105 2,254 1,578
    7 62,359 2,338 1,637
    8 64,697 2,426 1,698
    9 67,124 2,517 1,762
    10 69,641 2,612 1,828
    11 72,252 2,709 1,897
    12 74,962 2,811 1,968
    13 77,773 2,916 2,042
    14 80,689 3,026 2,118
    15 83,715 3,139 2,198
    16 86,854 3,257 2,280
    17 90,111 3,379 2,365
    18 93,491 3,506 2,454
    19 96,996 3,637 2,546
    20 100,634 3,774 2,642
    TOTAL $54,408 $38,085


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