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BDI
FB

The First National Bank & Trust

Elk City, OklahomaFDIC Cert #4086

OCCEstablished 19013 branches

Holding company: WESTERN OK FINL SERVICES INCRegulator: OCC

FDICCERT + OFFDOM

Balance sheet & income statement

Financials

Reported balance-sheet positions and year-to-date earnings from the latest FDIC Call Report.

As of Q1 2026

Balance sheet trend

Assets & deposits

Time range
Reporting mode
Assets and deposits by reporting quarter
QuarterAssetsDeposits
Q2 2021$314M$271M
Q3 2021$316M$274M
Q4 2021$318M$276M
Q1 2022$314M$281M
Q2 2022$316M$294M
Q3 2022$317M$298M
Q4 2022$311M$288M
Q1 2023$308M$284M
Q2 2023$296M$274M
Q3 2023$310M$292M
Q4 2023$313M$287M
Q1 2024$315M$291M
Q2 2024$312M$288M
Q3 2024$314M$286M
Q4 2024$312M$286M
Q1 2025$305M$280M
Q2 2025$300M$277M
Q3 2025$295M$268M
Q4 2025$294M$264M
Q1 2026$294M$264M

Balance sheet

Core assets, funding, and capital reported at quarter end.

Assets
$294M
−3.8%y/y
Percentile by value1st percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICASSET
Deposits
$264M
−5.6%y/y
Percentile by value4th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICDEP
Gross loans
$161M
+1.8%y/y
Percentile by value5th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICLNLSGR
Net loans
$158M
+1.8%y/y
Percentile by value5th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICLNLSNET
Securities
$107M
−16.7%y/y
Percentile by value60th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICSC
Cash
$21.7M
+63.4%y/y
Percentile by value33rd percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICCHBAL
Liabilities
$266M
−5.6%y/y
Percentile by value1st percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICLIAB
Equity
$28.1M
+17.4%y/y
Peer standing7th percentile
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICEQ

Income statement

Year-to-date reported earnings and core revenue components.

Revenue
$3.06M
−4.8%y/y
Peer standing7th percentile
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICNIM + NONII
NII
$2.76M
−1.3%y/y
Peer standing8th percentile
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICNIM
Noninterest income
$296K
−28.3%y/y
Peer standing21st percentile
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICNONII
Provision
−$18K
−194.7%y/y
Percentile by value6th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICELNATR
Pretax income
$1.54M
−7.8%y/y
Peer standing36th percentile
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICPTAXNETINC
Net income
$1.54M
−7.8%y/y
Peer standing47th percentile
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICNETINC