The First National Bank & Trust is a bank based in Elk City, Oklahoma, established in 1901, with $294 million in total assets across 3 branches. By Trust Grade it ranks 100th of 170 banks we track in Oklahoma. Its capital ratio of 9.6% trails most similarly sized banks (40th percentile), versus a Oklahoma median of 10.4%. It was profitable over the most recent period, with a 2.09% return on assets. No consumer complaints against The First National Bank & Trust appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How The First National Bank & Trust compares to Oklahoma peers
How we graded The First National Bank & Trust
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (9.6% capital ratio)
- Strongly profitable (ROA 2.09%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for The First National Bank & Trust over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (3)
- 102 S Main St, Elk City, OK 73644
- 715 Ne Highway 66, Sayre, OK 73662
- 2714 West Third Street, Elk City, OK 73644
Are deposits at The First National Bank & Trust insured?
Yes. The First National Bank & Trust is an FDIC-insured bank (FDIC certificate #4086). 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.
The First National Bank & Trust: frequently asked questions
Is The First National Bank & Trust a good bank?
The First National Bank & Trust earns a Bankzia Trust Grade of A (96/100, "Excellent"), based on a financial-strength score of 96/100 (it has no CFPB complaints on record). Strongly capitalized (9.6% capital ratio); Strongly profitable (ROA 2.09%).
Is The First National Bank & Trust FDIC-insured?
Yes. The First National Bank & Trust is a FDIC-insured bank (FDIC certificate #4086). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is The First National Bank & Trust?
The First National Bank & Trust holds $294 million in total assets, ranking 100th of 170 banks we track in Oklahoma. It operates 3 branches.
Does The First National Bank & Trust have CFPB complaints?
No CFPB complaints against The First National Bank & Trust appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
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.
