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The First National Bank and Trust Co., Chickasha, Oklahoma

Overview / Commentary
405-224-2200
302 Chickasha Avenue
Chickasha, OK 73018

The First National Bank and Trust Co., Chickasha, Oklahoma is headquartered in Chickasha and is the 28th largest bank in the state of Oklahoma. It is also the 1,492nd largest bank in the nation. It was established in 1892 and as of December of 2013, it had grown to 152 employees at 11 locations. The First National Bank and Trust Co., Chickasha, Oklahoma has a B+ health rating.

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Health

Data for Q4 2013

Institution Health

B+

Texas Ratio

GRADE:
B+

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 December 31, 2013 The First National Bank and Trust Co., Chickasha, Oklahoma had $7.43 million in non-current loans and owned real-estate with $59.21 million in equity and loan loss allowances on hand to cover it. This gives The First National Bank and Trust Co., Chickasha, Oklahoma a Texas Ratio of 12.55% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for The First National Bank and Trust Co., Chickasha, Oklahoma experienced no significant changes from 8.69% as of December 31, 2012 to 12.55% as of December 31, 2013, resulting in a negative change of 44.37%. This indicates that the balance sheet and financial strength for The First National Bank and Trust Co., Chickasha, Oklahoma has had no significant changes in recent periods.

Deposit Growth

GRADE:
A+

In the past year, The First National Bank and Trust Co., Chickasha, Oklahoma has increased its total deposits by $26.87 million, resulting in 7.5% 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 The First National Bank and Trust Co., Chickasha, Oklahoma has shown is excellent.

Capitalization

GRADE:
A+

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. The First National Bank and Trust Co., Chickasha, Oklahoma has $445.44 million in assets with $59.21 million in equity, resulting in a capitalization level of 13.29%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #4062
Year Established1892
Employees152
Primary RegulatorOCC
Assets and Liabilities
Assets$445.45 million
Loans$287.07 million
Deposits$384.86 million
Equity Capital$54.57 million
Loan Loss Allowance$4.64 million
Unbacked Noncurrent Loans$6.95 million
Real Estate Owned$480,000
Historic Data - December 2012
Assets$412.25 million
Equity Capital$52.59 million
Loan Loss Allowance$3.72 million
Unbacked Noncurrent Loans$6.95 million
Real Estate Owned$754,000
Profit Margin - Quarterly
Net Interest Margin4.93%
Return on Assets1.3%
Return on Equity10.31%
Interest Income$20.15 million
Rates

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The First National Bank and Trust Co., Chickasha, Oklahoma Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.20%--Passbook Savings
0.15%$5k-First Club Plus

The First National Bank and Trust Co., Chickasha, Oklahoma Money Market Rates

DetailsAPYMINMAXPRODUCT
0.20%$2,500-Money Market Account

The First National Bank and Trust Co., Chickasha, Oklahoma Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.15%$2k-N.O.W. Checking
0.15%$2,500-Super N.O.W.

The First National Bank and Trust Co., Chickasha, Oklahoma CD Rates

DetailsAPYMINMAXPRODUCT
1.26%$500-60 Month CD
1.05%$500-48 Month CD
0.95%$500-42 Month CD
0.85%$500-36 Month CD
0.75%$500-30 Month CD
0.70%$500-30 Month Step CD
0.60%$1k-24 Month CD
0.55%$1k-18 Month CD
0.50%$1k-12 Month CD
0.50%$100k-12 Month Jumbo CD
0.30%$1k-6 Month CD
0.30%$100k-6 Month Jumbo CD
0.25%$1k-3 Month CD
0.25%$100k-3 Month Jumbo CD

The First National Bank and Trust Co., Chickasha, Oklahoma IRA Rates

DetailsAPYMINMAXPRODUCT
0.75%$500-30 Month IRA
0.70%$500-30 Month Step IRA
0.40%$200-18 Month IRA Variable
Locations

The First National Bank and Trust Co., Chickasha, Oklahoma has 11 locations. Click to view all The First National Bank and Trust Co., Chickasha, Oklahoma locations.