First National Bank and Trust Company (OK)

First National Bank and Trust Company (OK) is headquartered in Shawnee and is the 56^th largest bank in the state of Oklahoma. It is also the 2,757^th largest bank in the nation. It was established in 1984 and as of March of 2012, it had grown to 60 employees at 7 locations. First National Bank and Trust Company (OK) has a 5-star health rating.

Data for Q1 2012

Institution Statistics First National Bank and Trust Company FDIC Certificate # 25738 BankRate Report View Year Established 1984 Employees 60 Primary Regulator OCC Assets and Liabilities Assets $232.04 million Loans $84.66 million Deposits $204.20 million Equity Capital $26.17 million Loan Loss Allowance $2.08 million Unbacked Noncurrent Loans $1.59 million Real Estate Owned $1.22 million Historic Data - March 2011 Assets $215.19 million Equity Capital $24.02 million Loan Loss Allowance $1.94 million Unbacked Noncurrent Loans $2.85 million Real Estate Owned $930,000 Profit Margin - Quarterly Net Interest Margin 3.6% Return on Assets 0.28% Return on Equity 2.41% Interest Income $1.99 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 First National Bank and Trust Company (OK) had $2.82 million in non-current loans and owned real-estate with $28.25 million in equity and loan loss allowances on hand to cover it. This gives First National Bank and Trust Company (OK) a Texas Ratio of 9.97% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for First National Bank and Trust Company (OK) decreased slightly from 14.58% as of March 31, 2011 to 9.97% as of March 31, 2012, resulting in a positive change of 31.62%.This indicates that the balance sheet and financial strength for First National Bank and Trust Company (OK) has improved slightly in recent periods. Deposit Growth In the past year, First National Bank and Trust Company (OK) has increased its total deposits by $15.67 million, resulting in 8.31% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth First National Bank and Trust Company (OK) has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. First National Bank and Trust Company (OK) has $232.04 million in assets with $28.25 million in equity, resulting in a capitalization level of 12.18%, which is excellent.

No reviews have been left for this bank yet. Be the first to review.