FIRST NATIONAL BANK AND TRUST COMPANY OF MIAMI, THE
FIRST NATIONAL BANK AND TRUST COMPANY OF MIAMI, THE is an FDIC-insured commercial bank headquartered in MIAMI, OK, established in 1900. As of , 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 5.90%. CET1 capital ratio: 12.25%, well above regulatory minimums. NPL ratio: 0.18% · Texas Ratio: 0.83%. Operates 3 domestic branches.
Profitability
Capital & Liquidity
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First National Bank and Trust Company of Miami, the rankings
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Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 12.25% | -2.40% | 0.18% | 0.83% | 5.90% |
| 2025-09-30 | 12.39% | 1.94% | 0.22% | 0.92% | 5.60% |
| 2025-06-30 | 12.08% | 2.20% | 0.00% | 0.00% | 5.78% |
| 2025-03-31 | 11.60% | 2.42% | 0.02% | 0.08% | 6.03% |
| 2024-12-31 | 11.64% | 2.45% | 0.02% | 0.08% | 6.22% |
| 2024-09-30 | 11.32% | 2.76% | 0.00% | 0.06% | 6.17% |
| 2024-06-30 | 10.06% | 2.93% | 0.00% | 0.06% | 6.08% |
| 2024-03-31 | 9.12% | 2.38% | 0.03% | 0.13% | 5.74% |
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Frequently asked about FIRST NATIONAL BANK AND TRUST COMPANY OF MIAMI, THE
What are First National Bank and Trust Company of Miami, the's total assets?
As of the Q4 2025 filing, First National Bank and Trust Company of Miami, the reported total assets of $207.1 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First National Bank and Trust Company of Miami, the headquartered?
First National Bank and Trust Company of Miami, the is headquartered in MIAMI, OK, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was First National Bank and Trust Company of Miami, the founded?
First National Bank and Trust Company of Miami, the was established in 1900, per the FDIC institution directory.
Is First National Bank and Trust Company of Miami, the FDIC-insured?
Yes. First National Bank and Trust Company of Miami, the is an FDIC-insured commercial bank (FDIC Certificate #4148). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First National Bank and Trust Company of Miami, the?
First National Bank and Trust Company of Miami, the's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is First National Bank and Trust Company of Miami, the's CET1 capital ratio?
First National Bank and Trust Company of Miami, the reported a Common Equity Tier 1 (CET1) capital ratio of 12.25% in its most recent quarterly filing — above regulatory minimums.
How many branches does First National Bank and Trust Company of Miami, the operate?
First National Bank and Trust Company of Miami, the operates 3 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is First National Bank and Trust Company of Miami, the's Texas Ratio?
First National Bank and Trust Company of Miami, the's Texas Ratio is 0.83% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.