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First Bank And Trust Company

Clinton, OK · Est. 1903 · Website ↗
A
Trust Grade
Excellent
Score: 98/100

First Bank And Trust Company is a bank based in Clinton, Oklahoma, established in 1903, with $59 million in total assets across 1 branch. By Trust Grade it ranks 16th of 170 banks we track in Oklahoma. Its capital ratio of 14.0% is stronger than 66% of similarly sized banks, versus a Oklahoma median of 10.4%. It was profitable over the most recent period, with a 1.68% return on assets. No consumer complaints against First Bank And Trust Company appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$58.8M
<$100M institution
Deposits
$47.8M
Branches
1
Capital ratio
14.0%
Top 34% of <$100M peers · Oklahoma median 10.4%
Return on assets
1.7%
Top 17% of <$100M peers · Oklahoma median 1.4%
Rank in Oklahoma
#16
of 170 banks

How First Bank And Trust Company compares to Oklahoma peers

Capital ratio
Top 34% of <$100M peers
First Bank
14.0%
Oklahoma median
10.4%
Higher capital ratio = stronger financial cushion
Return on assets
Top 17% of <$100M peers
First Bank
1.7%
Oklahoma median
1.4%
Higher ROA = more profitable relative to asset base

How we graded First Bank And Trust Company

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
98/100
Customer experience
n/a
Overall
A · 98
  • Strongly capitalized (14.0% capital ratio)
  • Strongly profitable (ROA 1.68%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for First Bank And Trust Company over the analysis window. For a smaller institution this is common and counts in its favor.

Branch locations (1)

  • 501 Frisco Ave, Clinton, OK 73601

Are deposits at First Bank And Trust Company insured?

Yes. First Bank And Trust Company is an FDIC-insured bank (FDIC certificate #15348). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

First Bank And Trust Company: frequently asked questions

Is First Bank And Trust Company a good bank?

First Bank And Trust Company earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (14.0% capital ratio); Strongly profitable (ROA 1.68%).

Is First Bank And Trust Company FDIC-insured?

Yes. First Bank And Trust Company is a FDIC-insured bank (FDIC certificate #15348). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.

How big is First Bank And Trust Company?

First Bank And Trust Company holds $59 million in total assets, ranking 16th of 170 banks we track in Oklahoma. It operates 1 branch.

Does First Bank And Trust Company have CFPB complaints?

No CFPB complaints against First Bank And Trust Company appear in our data over the analysis window, which is typical for a bank of this size.

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Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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