🏦Bank Scorer

FIRST BANK & TRUST CO.

DUNCAN, OK · Supervised by FDIC

Est. 1988FDIC #27,394RSSD: FDIC-27394
Satisfactory Same

Current rating · Exam: December 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 2.13%

Institution Profile

FDIC BankFind

Address

923 W Main St, DUNCAN, OK

County

Stephens County

Established

December 8, 1988

Total Assets

$952M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

December 1, 2023

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Dec 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$952M

Total Deposits

$800M

Net Loans

$737M

Net Income

$5M

ROA

2.13%

ROE

14.13%

Risk-Based Capital

20.60%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

14

Branch Deposits

$820M

1-Year Change

+1

5-year net change: +4 branches

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

10 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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