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 - August 18, 2025

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 2025

General Bank Information

FDIC Insured Yes
FDIC Certificate # 27394
Date Established 1988
Assets $ 979.26 million
Loans $ 731.18 million
Deposits $ 843.02 million
Capital $ 130.96 million

Summary Balance Sheet as of March 31, 2025

ASSETS
Cash & Balances due from depository institutions $ 26.15 million
Interest-bearing balances $ 13.87 million
Total securities $ 117.52 million
Federal funds sold and reverse repurchase $ 75.91 million
Net loans and leases $ 731.18 million
Loan loss allowance $ 10.70 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.31 million
Goodwill and other intangibles $ 5.41 million
All other assets $ 6.61 million
     Total Assets $ 848.29 million

LIABILITIES
Total deposits $ 843.02 million
      Interest-bearing deposits $ 614.53 million
      Deposits held in domestic offices $ 843.02 million
      % insured (estimated)" 58.27%
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 $ 848.29 million
      Shareholders’ Equity $ 130.96 million

Summary Income Statement as of March 31, 2025

INCOME AND EXPENSES
Total Interest Income $ 13.85 million
Total Interest Expense $ 3.70 million
Net interest income $ 10.15 million
Provision for loan and lease losses $ 0.20 million
Total non interest income $ 1.86 million
Total non interest expense $ 6.35 million
Pre-tax Net Operating Income $ 5.97 million

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Branches

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First Bank & Trust Co. Locations