FIRST NATIONAL BANK AND TRUST COMPANY OF ARDMORE

ARDMORE, OK | Medium | Est. Jan. 1, 1889, midnight | FDIC #4037 | RSSD #984258 | OCC
Latest Report: 2025-12-31

FIRST NATIONAL BANK AND TRUST COMPANY OF ARDMORE is amn medium FDIC-insured commercial bank headquartered in ARDMORE, OK, established in Jan. 1, 1889, midnight. As of 2025-12-31, the bank reported total assets of $672M and total deposits of $561M. Profitability stands at 1.70% ROA and 17.02% ROE, with a net interest margin of 4.16%. The bank's CET1 capital ratio is 8.96%. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #4037.

Assets

$672M

Deposits

$561M

Loans

$426M

Equity

$69M

Profitability

Return on Assets (ROA) 1.70%
Return on Equity (ROE) 17.02%
Net Interest Margin (NIM) 4.16%
Yield on Assets 5.63%
Cost of Funds 1.59%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.18%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.24%

Capital & Liquidity

CET1 Ratio 8.96%
Tier 1 Capital 8.96%
Total Capital Ratio 9.41%
Leverage Ratio 9.98%
Loan-to-Deposit 76.06%

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