FIRST NATIONAL BANK AND TRUST COMPANY OF ARDMORE
FIRST NATIONAL BANK AND TRUST COMPANY OF ARDMORE is an FDIC-insured commercial bank headquartered in ARDMORE, OK, established in 1889. As of , 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 4.20%. CET1 capital ratio: 9.59%. NPL ratio: 0.10% · Texas Ratio: 0.57%. Operates 12 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
First National Bank and Trust Company of Ardmore 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 | 9.59% | 1.70% | 0.10% | 0.57% | 4.20% |
| 2025-09-30 | 9.14% | 1.50% | 0.24% | 1.40% | 4.06% |
| 2025-06-30 | 8.50% | 1.32% | 0.24% | 1.49% | 3.96% |
| 2025-03-31 | 8.40% | 1.24% | 0.24% | 1.55% | 3.79% |
| 2024-12-31 | 7.97% | 1.22% | 0.27% | 1.78% | 3.65% |
| 2024-09-30 | 7.86% | 0.86% | 0.26% | 1.72% | 3.47% |
| 2024-06-30 | 6.96% | 0.64% | 0.45% | 3.19% | 3.34% |
| 2024-03-31 | 6.81% | 0.79% | 0.14% | 1.06% | 3.19% |
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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 Q4 2025 filing, First National Bank and Trust Company of Ardmore reported total assets of $672.3 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 Ardmore headquartered?
First National Bank and Trust Company of Ardmore is headquartered in ARDMORE, 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 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.
What is First National Bank and Trust Company of Ardmore's CET1 capital ratio?
First National Bank and Trust Company of Ardmore reported a Common Equity Tier 1 (CET1) capital ratio of 9.59% in its most recent quarterly filing — above the regulatory minimum but inside the capital conservation buffer.
How many branches does First National Bank and Trust Company of Ardmore operate?
First National Bank and Trust Company of Ardmore operates 12 domestic branches, per the most recent FDIC Summary of Deposits filing.
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 0.57% — 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.