First National Bank and Trust Company of Ardmore: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
First National Bank and Trust Company of Ardmore, based in Ardmore, Oklahoma, reported $687 million in assets at June 30, 2026. It carries problem assets equal to 0.1% of the capital and reserves that would absorb them, a small fraction of the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets.
Net income for the quarter rose 24% from a year earlier, to $2.8 million. Over the same year, loans grew 1.0% and deposits grew 6.4%.
As of June 30, 2026, First National Bank and Trust Company of Ardmore reported a return on assets of 1.58%, a nonperforming-loan ratio of 0.03% and a Texas ratio of 0.15%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 405 W Main St, Ardmore, OK 73401
- County
- Carter
- Metro Area
- Ardmore, OK
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1889
- Offices
- 12 domestic
- Employees (FTE)
- 148
- Domestic deposits
- $587.6M
- Allowance for credit losses
- $5.6M
- Net charge-offs (YTD)
- -$14K
- Average total assets
- $704.6M
- Average total loans
- $404.8M
- Average interest-bearing deposits
- $407.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4037
- Fed RSSD
- 984258
- Website
- www.1nb.bank →
- Parent Holding Company
- FIRST NATIONAL CORPORATION OF ARDMORE, INC. (RSSD 1055726)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full First National Bank and Trust Company of Ardmore terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock First National Bank and Trust Company of Ardmore, freeFirst National Bank and Trust Company of Ardmore rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
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. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.07% | 1.58% | 0.03% | 0.15% | 4.10% |
| Q1 2026 | 10.01% | 1.51% | 0.02% | 0.12% | 4.09% |
| Q4 2025 | 9.98% | 1.69% | 0.46% | 2.85% | 4.13% |
| Q3 2025 | 9.77% | 1.49% | 0.61% | 3.76% | 3.98% |
| Q2 2025 | 9.63% | 1.31% | 0.30% | 1.99% | 3.89% |
| Q1 2025 | 9.55% | 1.22% | 0.27% | 1.86% | 3.70% |
| Q4 2024 | 9.51% | 1.21% | 0.17% | 1.21% | 3.57% |
| Q3 2024 | 9.22% | 0.84% | 0.16% | 1.16% | 3.38% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 12 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First National Bank and Trust Company of Ardmore (main office) | Ardmore , OK | 73401 | $226.1M |
| Lone Grove Branch | Lone Grove , OK | 73443 | $78.1M |
| 125 West Main Street Branch | Ringling , OK | 73456 | $72.4M |
| Highway 32 West Branch | Marietta , OK | 73448 | $50.0M |
| Velma Branch | Velma , OK | 73491 | $45.8M |
| Ardmore Branch | Ardmore , OK | 73401 | $41.7M |
| 1Nb - Madill Branch | Madill , OK | 73446 | $32.0M |
| Sulphur Branch | Sulphur , OK | 73086 | $27.5M |
| 1Nb Financial Center Branch | Norman , OK | 73069 | $5.9M |
| 12th Street Branch | Ardmore , OK | 73401 | $5.5M |
| Edmond Branch | Edmond , OK | 73013 | $2.5M |
| Drive-In Branch | Ardmore , OK | 73401 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| June 30, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 28, 2008 | M&A | Acquired Citizens Bank merger for the acquired bank | SEC |
| June 28, 2008 | Structure Change | Acquired Citizens Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 1997 | M&A | Acquired Ringling State Bank merger for the acquired bank | SEC |
| October 1, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 1997 | Structure Change | Acquired Ringling State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 27, 1996 | M&A | Acquired First Community Bank and Trust Company of Lone Grove merger for the acquired bank | SEC |
| September 27, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 27, 1996 | Structure Change | Acquired First Community Bank and Trust Company of Lone Grove Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 10, 1996 | M&A | Acquired Bank of Love County merger for the acquired bank | SEC |
| June 10, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 10, 1996 | Structure Change | Acquired Bank of Love County Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 12 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for First National Bank and Trust Company of Ardmore, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.4% of deposits in OK, rank 43 of 194 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 165 applications, 136 loans originated, $29.7M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $2.0M approved, $2.0M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2005 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about First National Bank and Trust Company of Ardmore
What are First National Bank and Trust Company of Ardmore's total assets?
As of the Q2 2026 filing, First National Bank and Trust Company of Ardmore reported total assets of $686.7 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First National Bank and Trust Company of Ardmore headquartered?
First National Bank and Trust Company of Ardmore is headquartered in Ardmore, OK, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was First National Bank and Trust Company of Ardmore founded?
First National Bank and Trust Company of Ardmore was established in 1889, per the FDIC institution directory.
Is First National Bank and Trust Company of Ardmore FDIC-insured?
Yes. First National Bank and Trust Company of Ardmore is an FDIC-insured commercial bank (FDIC Certificate #4037). 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 Ardmore?
First National Bank and Trust Company of Ardmore's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does First National Bank and Trust Company of Ardmore operate?
First National Bank and Trust Company of Ardmore operates 12 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First National Bank and Trust Company of Ardmore's Texas Ratio?
First National Bank and Trust Company of Ardmore's Texas Ratio is 0.15% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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