Bank · FDIC insured
First Bank & Trust
A $255.2M bank headquartered in Perry, OK, with 4 branches in Oklahoma. Best rates: CDs 3.90% and savings 1.76% APY.
First Bank & Trust Carrot Score
84
Carrot Score
Higher than 66% of U.S. banks and credit unions
#11 of 44 in Tulsa, OK metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About First Bank & Trust
First Bank & Trust Company was formed in February 1934 as First National Bank of Perry with the investment of 84 citizens, teachers, homemakers, farmers, and businesspeople.
In 1986, FNBT Bancshares Perry, Ok., Inc. was formed as its holding company, and in 1994 the bank converted to a state charter, becoming First Bank and Trust Company of Perry, Oklahoma.
The bank expanded by purchasing The First State Bank of Billings in 1987, First State Bank of Covington in 2000, and The First National Bank of Pawnee in 2020.
- Headquarters
- 401 N 7th St, Perry, OK 73077
- FDIC certificate
- 13946 ↗
Branches
4 branches in Oklahoma
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Oklahoma
4 branches
Perry area · 1
- First Bank & Trust CompanyMain office401 N 7th St, Perry, OK 73077Directions
Billings area · 1
- Billings Branch111 W Main St, Billings, OK 74630Directions
Enid area · 1
- Covington Branch4th And Main Streets, Covington, OK 73730Directions
Tulsa area · 1
- Pawnee Branch601 Harrison St, Pawnee, OK 74058Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 11.34% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.73% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.73% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $66 | $81 | — |
- CapitalLeverage ratio11.34%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.73%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.73%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$66Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of First Bank & Trust are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.