Total Assets
$294.0M
Total Deposits
$265.0M
Branches
3
Established
1901
The First National Bank & Trust is a bank headquartered in Elk City, Oklahoma, established in 1901. It holds $294.0M in total assets across 3 branch locations. In our editorial opinion, based on public FDIC/NCUA data, The First National Bank & Trust earns a TFS Financial Health Grade of B+ (81.7/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
81.7 / 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 |
|---|---|---|---|---|
| The First National Bank & TrustHQ | 2714 West Third Street | Elk City | OK | 11 |
| The First National Bank & Trust | 102 S Main St | Elk City | OK | 11 |
| The First National Bank & Trust | 715 Ne Highway 66 | Sayre | 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
81.7
Tier 1 capital ratio
13.09%
Return on assets
2.12%
Non-performing loans
0.56%
Efficiency ratio
49.90%
Asset growth (YoY)
-2.09%
Suggested direct comparisons
Oklahoma City, OK
$42.8B
Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.