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 - April 03, 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 $ 955.89 million
Loans $ 746.13 million
Deposits $ 811.96 million
Capital $ 138.25 million

Summary Balance Sheet as of September 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 21.72 million
Interest-bearing balances $ 10.56 million
Total securities $ 136.83 million
Federal funds sold and reverse repurchase $ 23.46 million
Net loans and leases $ 746.13 million
Loan loss allowance $ 11.19 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.45 million
Goodwill and other intangibles $ 4.57 million
All other assets $ 6.61 million
     Total Assets $ 817.63 million

LIABILITIES
Total deposits $ 811.96 million
      Interest-bearing deposits $ 600.00 million
      Deposits held in domestic offices $ 811.96 million
      % insured (estimated)" 58.33%
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 $ 817.63 million
      Shareholders’ Equity $ 138.25 million

Summary Income Statement as of September 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 42.08 million
Total Interest Expense $ 10.68 million
Net interest income $ 31.41 million
Provision for loan and lease losses $ 0.98 million
Total non interest income $ 6.08 million
Total non interest expense $ 19.81 million
Pre-tax Net Operating Income $ 5.97 million

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Branches

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First Bank & Trust Co. Locations