First National Bank and Trust Company of Ardmore
Also written as FNB&T
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Data as of · sourced from FFIEC call reports. How we update
First National Bank and Trust Company of Ardmore is an FDIC-insured commercial bank headquartered in Ardmore, OK, supervised by the OCC, with $686.7M in total assets at Q2 2026, up 0.8% from Q2 2025, the 38th largest of 169 banks headquartered in Oklahoma. It was established in 1889 and holds FDIC certificate 4037. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.07% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 4037
- Headquarters
- Ardmore, OK
- Established
- 1889
- Total assets, Q2 2026
- $686.7M
- Assets vs Q2 2025
- +0.8%
- Tier 1 leverage ratio, Q2 2026
- 10.07%
- Domestic offices
- 12 · First National Bank and Trust Company of Ardmore branches FDIC institution directory, current count
- Routing number
- 103100522
- Safety and soundness
- Is First National Bank and Trust Company of Ardmore safe?
- Latest call report
- Q2 2026, FFIEC 051 · First National Bank and Trust Company of Ardmore Q3 2026 call report, filed October 23, 2026 (preliminary)
- Holding company
- FIRST NATIONAL CORPORATION OF ARDMORE, INC.
- Asset rank in state
- 38th of 169 in Oklahoma
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 2.7% for the 2,627 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%. The figures come from its call report filed with the FFIEC.
First National Bank and Trust Company of Ardmore ranks as the 38th largest of the 169 banks based in Oklahoma, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 3.1% to $686.7M, loans fell 1.3% and deposits fell 2.0%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 23.3% of total loans, followed by commercial and industrial loans at 15.7%. The FDIC Summary of Deposits lists 12 offices for it, in 9 cities in OK; its Ardmore 4 offices book 47% of its branch deposits. On its Q2 2026 call report, First National Bank and Trust Company of Ardmore meets the community bank leverage ratio test for well capitalized.
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
- Domestic offices
- 12 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, First National Bank and Trust Company of Ardmore reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, First National Bank and Trust Company of Ardmore's total assets ran between $662.3M (Q4 2024) and $708.4M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$686.7M total assets against $681.0M; $615.6M total liabilities against $619.0M.
$411.9M net loans and leases against $407.8M; $587.6M total deposits against $552.4M.
$209.5M securities against $194.9M; $19.2M cash and balances due against $36.2M.
$8.9M total interest income against $8.5M; $2.3M total interest expense against $2.4M.
$6.6M net interest income against $6.1M.
$1.3M total noninterest income against $1.4M; $5.0M total noninterest expense against $5.1M.
$150K provision for credit losses against $150K.
$2.8M net income against $2.2M.
1.58% return on assets against 1.31%; 4.10% net interest margin against 3.89%.
10.07% tier 1 leverage ratio against 9.63%.
Inside the full First National Bank and Trust Company of Ardmore terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFirst National Bank and Trust Company of Ardmore rankings
Its closest position to the top of a national ranking is 1,141 of 3,611, for ROA; its furthest is 3,191 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.84% (Q3 2024) to 1.69% (Q4 2025) and its net interest margin ran from 3.38% (Q3 2024) to 4.13% (Q4 2025).
| 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
View all 12 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in OK, rank 43 of 192 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).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is First National Bank and Trust Company of Ardmore headquartered?
It is headquartered in Ardmore, OK, United States.
When was First National Bank and Trust Company of Ardmore founded?
It was established in 1889, per the FDIC institution directory.
Is First National Bank and Trust Company of Ardmore FDIC-insured?
Yes. It 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.
How many branches does First National Bank and Trust Company of Ardmore operate?
It 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?
Its Texas Ratio is 0.15% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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