2026 Overview
General Bank Information
1st Bank & Trust is an FDIC insured institution located in Broken Bow, OK. It was founded in 1946 and has approximately $0.16 billion in assets. Customers can open an account at one of its 4 branches.
| FDIC Insured | Yes |
| FDIC Certificate | # 16419 |
| Date Established | 1946 |
| Assets | $ 156.92 million |
| Loans | $ 94.02 million |
| Deposits | $ 141.82 million |
| Capital | $ 16.99 million |
For a more detailed analysis of 1st Bank & Trust's financial condition and a description of what these numbers mean, please visit the Financial Details section.
Deposit Rates - September 30, 2026
Your Current Location: New Jersey, NJ
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Loan Rates - September 30, 2026
Your Current Location: New Jersey, NJ
There are currently no loan rates available for 1st Bank & Trust
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Branches
1st Bank & Trust branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Hoboken,New Jersey
1st Bank & Trust Locations
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 1191.72 | A | View Lobby Hours | |
| 1192.66 | B | View Lobby Hours | |
| 1198.43 | C | View Lobby Hours | |
| 1203.34 | D | View Lobby Hours |
Climate Policy and Initiatives
1st Bank & Trust is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.
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Financial Details
1st Bank & Trust Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of 1st Bank & Trust. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.
Texas Ratio
| 1st Bank & Trust | U.S. Bank Average |
|---|---|
| 0.33% | 5.57% |
The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.
As of December 31, 2025, 1st Bank & Trust had $60,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $16,992,000 in equity and $1,100,000 in loans loss reserves. That gives it a Texas Ratio of 0.33%.
Return on Equity
| 1st Bank & Trust | U.S. Bank Average |
|---|---|
| 27.03% | 10.69% |
1st Bank & Trust has a Return on Equity of 27.03% versus the BestCashCow average of 10.69%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.
Capitalization
| 1st Bank & Trust | U.S. Bank Average |
|---|---|
| 10.83% | 11.75% |
1st Bank & Trust has a Capitalization of 10.83% versus the BestCashCow average of 11.75. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.
1st Bank & Trust Balance Sheet Analysis
As of December 31, 2019, 1st Bank & Trust had assets of $159,094,000, loans of $94,024,000, and deposits of $141,822,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.
Summary Balance Sheet
December 31, 2025| ASSETS | |
|---|---|
| Cash & Balances due from depository institutions | $ 9.39 million |
| Interest-bearing balances | $ 1.10 million |
| Total securities | $ 33.96 million |
| Federal funds sold and reverse repurchase | $ 15.42 million |
| Net loans and leases | $ 94.02 million |
| Loan loss allowance | $ 1.10 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | N.A. |
| Goodwill and other intangibles | N.A. |
| All other assets | $ 1.26 million |
| Total Assets | $ 142.10 million |
| LIABILITIES | |
|---|---|
| Total deposits | $ 141.82 million |
| Interest-bearing deposits | $ 89.81 million |
| Deposits held in domestic offices | $ 141.82 million |
| % insured (estimated) | 80.29% |
| Federal funds purchased and repurchase agreements | N.A. |
| Trading liabilities | N.A. |
| Other borrowed funds | N.A. |
| Subordinated debt | N.A. |
| All other liabilities | $ 0.28 million |
| Total Liabilities | $ 142.10 million |
| Shareholders’ Equity | $ 14.82 million |
Summary Income Statement
December 31, 2025| INCOME AND EXPENSES | |
|---|---|
| Total Interest Income | $ 7.78 million |
| Total Interest Expense | $ 0.84 million |
| Net interest income | $ 6.94 million |
| Provision for loan and lease losses | $ 0.08 million |
| Total non interest income | $ 1.69 million |
| Total non interest expense | $ 4.36 million |
| Pre-tax Net Operating Income | $ 4.19 million |
Bank Loan Profile?
The top three loan types in 1st Bank & Trust’s loan portfolio are 1-4 Family Residential Loans, Small Business Loans, and Commercial Real Estate.
Compared to other banks in Oklahoma, 1st Bank & Trust has a significantly higher percent of 1-4 Family Residential Loans, Consumer Auto Loans, Small Business Loans on its balance sheet, potentially indicating a specialty in that lending area.
Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.
| % Loans |
% Comparison to Other Banks |
|||
|---|---|---|---|---|
| Low | Med | High | ||
| 1-4 Family Residential Loans | 33.57 | ✓ | ||
| Multifamily Mortgages |
0.00 | ✓ | ||
| Credit Card Loans | 0.00 | ✓ | ||
| Consumer Auto Loans | 18.79 | ✓ | ||
| Small Business Loans | 22.42 | ✓ | ||
| Construction and Development Loans | 2.73 | ✓ | ||
| Commercial Real Estate | 22.42 | ✓ | ||
| Commercial and Industrial Loans | 7.20 | ✓ | ||
| Farm Loans | 3.46 | ✓ | ||
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