🏦Bank Scorer

THE FIRST NATIONAL BANK & TRUST

ELK CITY, OK · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1901FDIC #4,086
Satisfactory

Current rating · Exam: June 1994

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 2.09%

Is this bank safe?

THE FIRST NATIONAL BANK & TRUST holds a Satisfactory CRA rating (1994), and is financially strong (ROA +2.09%).

Institution Profile

FDIC BankFind

Address

2714 West Third Street, ELK CITY, OK

County

Beckham County

Established

April 19, 1901

Total Assets

$294M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

June 6, 1994

Exam Type

Not Reported

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
⚠️This exam is 32 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$294M

Total Deposits

$264M

Net Loans

$158M

Net Income

$2M

ROA

2.09%

Above avg for Small banks. Peer avg: 0.44%

ROE

21.94%

Risk-Based Capital

0.00%

Below avg for Small banks. Regulatory min: 8%

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA2.09%Peer avg: 0.44%▲ Above avg
Risk-Based Capital0.00%Peer avg: 23.03%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

3

Branch Deposits

$277M

1-Year Change

0

This is the only examination on record for this bank.

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