First Bank & Trust Co. Reviews and Rates

First Bank & Trust Co.

TODAY'S FEATURED RATES

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.fb247.com

580-255-1810

923 Main St.
Duncan, OK 73533

First Bank & Trust Co. is headquartered in DUNCAN and is the 24^th largest bank in the state of Oklahoma. It is also the 1,059^th largest bank in the nation. It was established in 1988 and as of March of 2025, it had grown to 190 employees at 14 locations. First Bank & Trust Co.'s money market rates are 7X the national average, and it has a B health rating.

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Health

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	27394
Year Established	1988
Employees	190
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	2.11%
Return on Equity - YTD	15.8%
Annual Interest Income	$13.9MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$979.3MM$888.3MM
Loans	Q1 2025vs Q1 2024	$731.2MM$715.4MM
Deposits	Q1 2025vs Q1 2024	$843MM$744.5MM
Equity Capital	Q1 2025vs Q1 2024	$131MM$117.1MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$10.7MM$10.1MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$35.5MM$16.6MM
Real Estate Owned	Q1 2025vs Q1 2024	$311K$311K

TODAY'S FEATURED RATES

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
Checking

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First Bank & Trust Co. Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.95%^*	$1m^*	-	First Savings
OTHER TIERS: 2.75% → $0 - $10k \| 2.80% → $10k - $25k \| 2.85% → $25k - $250k \| 2.90% → $250k - $1m

First Bank & Trust Co. Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
3.15%^*	$1m^*	-	First Money Market Account
OTHER TIERS: 2.75% → $0 - $10k \| 2.80% → $10k - $25k \| 2.95% → $25k - $250k \| 3.05% → $250k - $1m

First Bank & Trust Co. Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.40%^*	$1m^*	-	First Advantage Checking
OTHER TIERS: 0.20% → $0 - $10k \| 0.25% → $10k - $25k \| 0.30% → $25k - $250k \| 0.35% → $250k - $1m
0.35%^*	$1m^*	-	First Rate Checking
OTHER TIERS: 0.15% → $0 - $10k \| 0.20% → $10k - $25k \| 0.25% → $25k - $250k \| 0.30% → $250k - $1m

Locations

Availability

Wichita Falls Area

Wichita Falls Area bank & credit union details

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