1st Bank & Trust

710 South Park Drive
Broken Bow, OK 74728


General Bank Information

FDIC Insured Yes
FDIC Certificate # 16419
Date Established 1946
Assets $0.14 billion
Loans $0.09 billion
Deposits $0.13 billion
Capital $0.01 billion

1st Bank & Trust is an FDIC insured institution located in Broken Bow, OK. It was founded in 1946 and has approximately $0.14 billion in assets. Customers can open an account at one of its 4 branches.

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.

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 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 34.64
Credit Card Loans 0.00
Consumer Auto Loans 19.42
Small Business Loans 21.17
Construction and Development Loans 4.96
Commercial Real Estate 21.17
Commercial and Industrial Loans 5.03
Farm Loans 4.13

Savings Rates

Your Current Location: Virginia, VA 20146

There are currently no rates available for 1st Bank & Trust, but see these great savings and CD rates:

1.20% APY Online Savings Account from Ally Bank
1.50% APY 11 Month CD from Ally Bank

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for 1st Bank & Trust

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2017

Lender APR Rate (%) Points Fees Monthly
Learn More
US Wide Financial
NMLS ID: 55028
License#: MC-5809
3.750% 3.750% -0.25 ($162) $1,158 Learn More
Rocket Mortgage
NMLS ID: 3030
4.248% 4.180% 0.50 $2,049 $1,220 Learn More

Note to 1st Bank & Trust
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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
0.74% 8.45

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2017, 1st Bank & Trust had $109,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $13,795,000 in equity and $1,022,000 in loans loss reserves. That gives it a Texas Ratio of 0.74%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
1st Bank & Trust U.S. Bank Average
25.34% 8.58

1st Bank & Trust has a Return on Equity of 25.34% versus the BestCashCow average of 8.58. 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.

1st Bank & Trust U.S. Bank Average
9.72% 12.11

1st Bank & Trust has a Capitalization of 9.72% versus the BestCashCow average of 12.11. 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 June 30, 2017, 1st Bank & Trust had assets of $141,904,000, loans of $87,316,000, and deposits of $127,761,000. 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.

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