FIRST NATIONAL BANK AND TRUST COMPANY OF MIAMI, THE

MIAMI, OK | Small | Est. Jan. 1, 1900, midnight | FDIC #4148 | RSSD #837158 | OCC
Latest Report: 2025-12-31

FIRST NATIONAL BANK AND TRUST COMPANY OF MIAMI, THE is asn small FDIC-insured commercial bank headquartered in MIAMI, OK, established in Jan. 1, 1900, midnight. As of 2025-12-31, the bank reported total assets of $207M and total deposits of $180M. Profitability stands at -2.40% ROA and -18.75% ROE, with a net interest margin of 5.88%. The bank's CET1 capital ratio is 11.77%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.18% and a Texas Ratio of 0.83%. FDIC Certificate #4148.

Assets

$207M

Deposits

$180M

Loans

$131M

Equity

$26M

Profitability

Return on Assets (ROA) -2.40%
Return on Equity (ROE) -18.75%
Net Interest Margin (NIM) 5.88%
Yield on Assets 6.41%
Cost of Funds 0.57%

Asset Quality

NPL Ratio 0.18%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.83%
NPA Ratio 0.11%
ACL / Loans 1.21%

Capital & Liquidity

CET1 Ratio 11.77%
Tier 1 Capital 11.77%
Total Capital Ratio 12.36%
Leverage Ratio 12.40%
Loan-to-Deposit 72.79%

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