The First National Bank & Trust


The First National Bank & Trust is an FDIC insured institution headquartered at 2714 West Third Street, Elk City, OK 73644.
It was founded in 1901 and has approximately $0 billion in assets. Customers can open an account at one of its 3 branches.

Deposit Rates - May 05, 2026





Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 4086
Date Established 1901
Assets $ 294.26 million
Loans $ 160.45 million
Deposits $ 264.30 million
Capital $ 27.85 million

Summary Balance Sheet as of September 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 17.55 million
Interest-bearing balances $ 15.94 million
Total securities $ 108.00 million
Federal funds sold and reverse repurchase $ 0.39 million
Net loans and leases $ 160.45 million
Loan loss allowance $ 3.06 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.33 million
Goodwill and other intangibles N.A.
All other assets $ 3.20 million
     Total Assets $ 266.41 million

LIABILITIES
Total deposits $ 264.30 million
      Interest-bearing deposits $ 206.61 million
      Deposits held in domestic offices $ 264.30 million
      % insured (estimated)" 79.42%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.13 millionn
      Total Liabilities $ 266.41 million
      Shareholders’ Equity $ 27.85 million

Summary Income Statement as of September 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 16.92 million
Total Interest Expense $ 5.40 million
Net interest income $ 11.53 million
Provision for loan and lease losses $ 0.21 million
Total non interest income $ 1.73 million
Total non interest expense $ 6.39 million
Pre-tax Net Operating Income $ 3.54 million

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Branches

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The First National Bank & Trust Locations