Total Assets
$952.1M
Total Deposits
$802.1M
Branches
14
Established
1988
First Bank & Trust Co. is a bank headquartered in Duncan, Oklahoma, established in 1988. It holds $952.1M in total assets across 14 branch locations. In our editorial opinion, based on public FDIC/NCUA data, First Bank & Trust Co. earns a TFS Financial Health Grade of B+ (82.7/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
82.7 / 100
Good financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| First Bank & Trust Co.HQ | 923 W Main St | Duncan | OK | 11 |
| First Bank & Trust Co. | 301 W Main St | Ardmore | OK | 11 |
| First Bank & Trust Co. | 1720 Mclish St | Ardmore | OK | 11 |
| First Bank & Trust Co. | 1521 W Plato Rd | Duncan | OK | 11 |
| First Bank & Trust Co. | 10th And Oak Streets | Duncan | OK | 23 |
| First Bank & Trust Co. | 3805 W. Memorial Rd | Edmond | OK | 11 |
| First Bank & Trust Co. | 313 West Main Street | Healdton | OK | 11 |
| First Bank & Trust Co. | 101 S Main St | Lindsay | OK | 11 |
| First Bank & Trust Co. | 2400 Alameda St | Norman | OK | 11 |
| First Bank & Trust Co. | 2330 36th Ave Nw | Norman | OK | 11 |
| First Bank & Trust Co. | 830 N Main St | Perkins | OK | 11 |
| First Bank & Trust Co. | 300 W Main St | Stroud | OK | 11 |
| First Bank & Trust Co. | 101 N Main St | Waurika | OK | 11 |
| First Bank & Trust Co. | 215 W 2nd St | Wellston | OK | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
82.7
Tier 1 capital ratio
14.89%
Return on assets
2.20%
Non-performing loans
5.22%
Efficiency ratio
54.36%
Asset growth (YoY)
-0.66%
Suggested direct comparisons
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Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.