The First National Bank and Trust Co., Chickasha, Oklahoma

302 Chickasha Avenue
Chickasha, OK 73018

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 4062
Date Established 1892
Assets $0.63 billion
Loans $0.39 billion
Deposits $0.54 billion
Capital $0.08 billion

The First National Bank and Trust Co., Chickasha, Oklahoma is an FDIC insured institution located in Chickasha, OK. It was founded in 1892 and has approximately $0.63 billion in assets. Customers can open an account at one of its 11 branches.

For a more detailed analysis of The First National Bank and Trust Co., Chickasha, Oklahoma's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 23, 2019

Your Current Location: Washington, WA 98109

Savings and Money Market Rates APY MIN MAX
Money Market
0.35% $2,500 - Learn MoreShow Less
Premium Money Market Account
0.35% $1 $29,999 Learn MoreShow Less
CD Rates APY MIN MAX
0.75% $1,000 $99,999 Learn MoreShow Less
3 Mo CD
0.75% $100,000 - Learn MoreShow Less
1.25% $1,000 $99,999 Learn MoreShow Less
6 Mo CD
1.25% $100,000 - Learn MoreShow Less
Special: 10 Mo CD
2.25% $1,000 - Learn MoreShow Less
1.50% $1,000 $99,999 Learn MoreShow Less
12 Mo CD
1.50% $100,000 - Learn MoreShow Less
18 Mo CD
1.50% $1,000 - Learn MoreShow Less
24 Mo CD
1.55% $1,000 - Learn MoreShow Less
30 Mo CD
1.55% $1,000 - Learn MoreShow Less
36 Mo CD
1.55% $1,000 - Learn MoreShow Less
48 Mo CD
1.50% $1,000 - Learn MoreShow Less
60 Mo CD
1.50% $1,000 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
1.50% $1,000 - Learn MoreShow Less
Special: 10 Mo FIRA
2.25% $1,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.25% $2,500 - Learn MoreShow Less

Loan Rates - September 23, 2019

Your Current Location: Washington, WA 98109

There are currently no loan rates available for The First National Bank and Trust Co., Chickasha, Oklahoma

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

Featured - Washington 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
4.875% 4.875% 0.00 $0 $1,324 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.990% 4.990% 0.00 $0 $1,341 Learn More
AimLoan.com
NMLS ID: 2890
License#: 520-CL-25944
3.536% 3.500% 0.50 $1,108 $1,123 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info

Note to The First National Bank and Trust Co., Chickasha, Oklahoma
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Branches

The First National Bank and Trust Co., Chickasha, Oklahoma branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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The First National Bank and Trust Co., Chickasha, Oklahoma Locations


Financial Details

The First National Bank and Trust Co., Chickasha, Oklahoma Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of The First National Bank and Trust Co., Chickasha, Oklahoma. 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
The First National Bank and Trust Co., Chickasha, Oklahoma U.S. Bank Average
5.27% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s 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 March 31, 2019, The First National Bank and Trust Co., Chickasha, Oklahoma had $4,318,000 in non-current loans and $353,000 in owned real estate. To cover these potential losses it had $84,181,000 in equity and $4,521,000 in loans loss reserves. That gives it a Texas Ratio of 5.27%.

Return on Equity
The First National Bank and Trust Co., Chickasha, Oklahoma U.S. Bank Average
14.48% 9.47%

The First National Bank and Trust Co., Chickasha, Oklahoma has a Return on Equity of 14.48% versus the BestCashCow average of 9.47%. 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
The First National Bank and Trust Co., Chickasha, Oklahoma U.S. Bank Average
13.27% 12.49%

The First National Bank and Trust Co., Chickasha, Oklahoma has a Capitalization of 13.27% versus the BestCashCow average of 12.49. 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.

The First National Bank and Trust Co., Chickasha, Oklahoma Balance Sheet Analysis

As of March 31, 2019, The First National Bank and Trust Co., Chickasha, Oklahoma had assets of $634,149,000, loans of $388,249,000, and deposits of $543,071,000. 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

March 31, 2019
ASSETS
Cash & Balances due from depository institutions $0.03 billion
Interest-bearing balances $0.01 billion
Total securities $0.18 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.39 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.01 billion
All other assets $0.02 billion
     Total Assets $0.55 billion
LIABILITIES
Total deposits $0.54 billion
      Interest-bearing deposits $0.35 billion
      Deposits held in domestic offices $0.54 billion
      % insured (estimated) 78.88%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.55 billion
      Shareholders’ Equity $0.08 billion

Summary Income Statement

March 31, 2019
INCOME AND EXPENSES
Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.01 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in The First National Bank and Trust Co., Chickasha, Oklahoma’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and Construction and Development Loans.

Compared to other banks in Oklahoma, The First National Bank and Trust Co., Chickasha, Oklahoma has a significantly higher percent of Construction and Development 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 11.88
Multifamily
Mortgages
1.13
Credit Card Loans 0.00
Consumer Auto Loans 0.71
Small Business Loans 0.00
Construction and Development Loans 18.44
Commercial Real Estate 30.51
Commercial and Industrial Loans 19.44
Farm Loans 3.14

Frequently Asked Questions About The First National Bank And Trust Co., Chickasha, Oklahoma

Branches and Savings

Is The First National Bank And Trust Co., Chickasha, Oklahoma FDIC insured?

Yes. It is covered under FDIC Certificate #4062.

Why does The First National Bank And Trust Co., Chickasha, Oklahoma pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are The First National Bank And Trust Co., Chickasha, Oklahoma CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is The First National Bank And Trust Co., Chickasha, Oklahoma a commercial bank?

Yes

Where are The First National Bank And Trust Co., Chickasha, Oklahoma locations?

See branch locations nearby.

Is The First National Bank And Trust Co., Chickasha, Oklahoma open on Saturdays?

Is The First National Bank And Trust Co., Chickasha, Oklahoma open on Sundays?

What time does The First National Bank And Trust Co., Chickasha, Oklahoma open?

What time does The First National Bank And Trust Co., Chickasha, Oklahoma close?

Are The First National Bank And Trust Co., Chickasha, Oklahoma ATMs Open 24/7?

Do The First National Bank And Trust Co., Chickasha, Oklahoma ATMs accept cash deposits?

Can The First National Bank And Trust Co., Chickasha, Oklahoma customers use other ATMs?

Do The First National Bank And Trust Co., Chickasha, Oklahoma branches have notaries?

Will The First National Bank And Trust Co., Chickasha, Oklahoma notarize my document?

What address for The First National Bank And Trust Co., Chickasha, Oklahoma should I put for incoming ACH transfers?

Will the The First National Bank And Trust Co., Chickasha, Oklahoma branch print checks?

Do The First National Bank And Trust Co., Chickasha, Oklahoma checks expire?

Does The First National Bank And Trust Co., Chickasha, Oklahoma require US citizenship to open account?

Can The First National Bank And Trust Co., Chickasha, Oklahoma close my account?

Does The First National Bank And Trust Co., Chickasha, Oklahoma Report to credit bureaus?

Does The First National Bank And Trust Co., Chickasha, Oklahoma Use Equifax?

What is The First National Bank And Trust Co., Chickasha, Oklahoma's ACH Routing Number?

What is The First National Bank And Trust Co., Chickasha, Oklahoma's SWIFT code?

Products

Does The First National Bank And Trust Co., Chickasha, Oklahoma offer mortgages?

Compare mortgage rates here.

Does The First National Bank And Trust Co., Chickasha, Oklahoma offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does The First National Bank And Trust Co., Chickasha, Oklahoma offer personal loans?

Compare personal loan rates here.

Does The First National Bank And Trust Co., Chickasha, Oklahoma offer student loans?

Will The First National Bank And Trust Co., Chickasha, Oklahoma cash a check?

Will The First National Bank And Trust Co., Chickasha, Oklahoma redeem a savings bond?

Does The First National Bank And Trust Co., Chickasha, Oklahoma cash savings bonds?

Will The First National Bank And Trust Co., Chickasha, Oklahoma cash money orders?

Can The First National Bank And Trust Co., Chickasha, Oklahoma issue a money order?

Does The First National Bank And Trust Co., Chickasha, Oklahoma do currency exchange?

Background on The Bank

Who owns The First National Bank And Trust Co., Chickasha, Oklahoma?

How long has The First National Bank And Trust Co., Chickasha, Oklahoma been around?

Can The First National Bank And Trust Co., Chickasha, Oklahoma transfer to other banks?

Does The First National Bank And Trust Co., Chickasha, Oklahoma have quick pay?

Does The First National Bank And Trust Co., Chickasha, Oklahoma accept rolled coins?

Will The First National Bank And Trust Co., Chickasha, Oklahoma accept loose change?

Where is The First National Bank And Trust Co., Chickasha, Oklahoma headquarters?

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