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 - April 03, 2025

Overview 2025

General Bank Information

FDIC Insured Yes
FDIC Certificate # 4086
Date Established 1901
Assets $ 314.16 million
Loans $ 147.19 million
Deposits $ 285.61 million
Capital $ 27.99 million

Summary Balance Sheet as of September 30, 2024

ASSETS
Cash & Balances due from depository institutions $ 19.90 million
Interest-bearing balances $ 18.41 million
Total securities $ 138.19 million
Federal funds sold and reverse repurchase $ 0.74 million
Net loans and leases $ 147.19 million
Loan loss allowance $ 2.84 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.49 million
Goodwill and other intangibles N.A.
All other assets $ 3.20 million
     Total Assets $ 286.17 million

LIABILITIES
Total deposits $ 285.61 million
      Interest-bearing deposits $ 228.03 million
      Deposits held in domestic offices $ 285.61 million
      % insured (estimated)" 82.64%
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 $ 286.17 million
      Shareholders’ Equity $ 27.99 million

Summary Income Statement as of September 30, 2024

INCOME AND EXPENSES
Total Interest Income $ 13.43 million
Total Interest Expense $ 5.02 million
Net interest income $ 8.40 million
Provision for loan and lease losses $ 0.03 million
Total non interest income $ 1.52 million
Total non interest expense $ 4.67 million
Pre-tax Net Operating Income $ 3.54 million

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Branches

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The First National Bank & Trust Locations