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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

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Chart mode
Time range
Loan categories
Latest reported loan balances by category
CategoryBalance
Owner CRE$25.7M
Investor CRE$14.6M
Multifamily$21K
Construction$3.08M
1–4 family$28.8M
C&I$35.5M
Agriculture$51.7M
Other$1.5M

Loan book

Reported balances and balance-sheet intensity.

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
Loans YoY
+1.77%
−79.6%y/y
Percentile by value27th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICLNLSNET
L/D
59.8%
+7.8%y/y
Percentile by value14th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICLNLSNET + DEP
Loans/assets
53.7%
+5.8%y/y
Percentile by value16th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICLNLSNET + ASSET
RE loans %
60.20%
+0.3%y/y
Percentile by value10th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC
Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC
Loan HHI
1,665points
+4.8%y/y
Peer standing82nd percentile
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD
Owner CRE %
15.96%
+22.7%y/y
Percentile by value67th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICLNRENROW + LNLSGR
Investor CRE %
9.08%
+1.3%y/y
Percentile by value31st percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICLNRENROT + LNLSGR
C&I %
22.05%
−0.2%y/y
Percentile by value92nd percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICLNCI + LNLSGR