The First National Bank and Trust Company of Broken Arrow
Broken Arrow, OK·RSSD 145554·FDIC 4050·bank:145554·Risk-based ratios where reported
- #89 of 171Total assets in Oklahoma
- 2offices
- 39employees
- Top 1%Net interest margin vs. peers
- #3 of 131Lowest cost of deposits in Oklahoma
- Top 5%Cost of deposits vs. peers
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at The First National Bank and Trust Company of Broken Arrow
5 of 24 FORFI signals stand out against 1223 similar banks, based on FDIC data for the quarter.
Problem loans falling while the peer median holds steadyStrength: Asset quality 2nd quarter0.14%peers 0.38%-25 bps
The First National Bank and Trust Company of Broken Arrow's noncurrent loans (nonaccrual plus 90+ days past due) as a share of loans fell 258 bps over the past year to 0.14%. Among 1206 similar banks, the median was essentially unchanged.
| This institution | Peer median | Difference |
|---|---|---|
| Noncurrent loans (nonaccrual plus 90+ days past due) as a share of loans | ||
| 0.14% | 0.38% | -25 bps |
| 12-month change | ||
| -258 bps | 0 bps | -258 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. The First National Bank and Trust Company of Broken Arrow itself is left out of every peer median and percentile. How signals work
Lending absorbing more of the deposit base as cash fallsWorth a look: Liquidity103.9%+13.6 pp in 12 months
The First National Bank and Trust Company of Broken Arrow's loans rose to 103.9% of deposits, 13.6 percentage points higher than a year earlier, while cash fell to 5.9% of assets. The median change in the loan-to-deposit ratio among 1212 similar banks was +0.6 pp.
| Observed | Change |
|---|---|
| Loans / deposits | |
| 103.9% | +13.6 pp in 12 months |
| Cash / assets | |
| 5.9% | -8.7 pp in 12 months |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. The First National Bank and Trust Company of Broken Arrow itself is left out of every peer median and percentile. How signals work
Deposit costs among the lowest of similar banksStrength: Funding 2nd quarter0.78%peers 1.68%-90 bps
The First National Bank and Trust Company of Broken Arrow's cost of all deposits was 0.78%, compared with a median of 1.68% among 1213 similar banks: lower than 95% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Cost of all deposits | ||
| 0.78% | 1.68% | -90 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. The First National Bank and Trust Company of Broken Arrow itself is left out of every peer median and percentile. How signals work
Leverage capital ratio rising faster than peersStrength: Capital16.42%peers 11.33%+5.1 pp
The First National Bank and Trust Company of Broken Arrow's leverage ratio rose 1.6 percentage points over the past year to 16.42%. Among 1222 similar banks, the median rose 0.1 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Leverage ratio | ||
| 16.42% | 11.33% | +5.1 pp |
| 12-month change | ||
| +1.6 pp | +0.1 pp | +1.5 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. The First National Bank and Trust Company of Broken Arrow itself is left out of every peer median and percentile. How signals work
1 more observation
- Noninterest-bearing deposit share falling faster than peersFunding
Key facts
- The First National Bank and Trust Company of Broken Arrow is a bank headquartered in Broken Arrow, Oklahoma. It reported $269 million in total assets for the quarter ended June 30, 2026.
- Deposits totaled $224 million, up 3.9% from a year earlier, and loans totaled $233 million, up 19.5%.
- Its net interest margin was 6.16% and its annualized return on assets was 2.38% for the quarter.
- Its cost of all deposits was 0.78%, compared with a median of 1.68% among 1213 similar banks with $100 million to $300 million in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With The First National Bank and Trust Company of Broken Arrow's own data, FORFI would look at: Which borrowers and segments are migrating toward delinquency, before losses arrive.
Analysis workspaces
Sources and identifiers
- Institution
- The First National Bank and Trust Company of Broken Arrow · Bank
- Federal Reserve RSSD
- 145554
- FDIC certificate
- 4050
- Reporting period
- Peer group
- 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. The First National Bank and Trust Company of Broken Arrow itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $1.6M | — | |
| $4.33M | — | |
| $439K | — | |
| $3.9M | — | |
| $259K | — | |
| $1.91M | — | |
| $98K | — | |
| $120K | — | |
| 2.38% | 2.38%ROAQ · Quarter | |
| 6.16% | 6.15%NIMYQ · Quarter | |
| 46.05% | 46.05%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.