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First National Bank and Trust Company of Ardmore Locations & Branches Ardmore, Oklahoma
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First National Bank and Trust Company of Ardmore operates 12 branches from its headquarters in Ardmore, OK, . Its main office is at 405 W Main St, Ardmore, OK 73401.
First National Bank and Trust Company of Ardmore branch network
All 12 branches are in OKLAHOMA, across 9 cities. Ardmore, OK has the most of its branches, 4. Its largest office by deposits is its main office in Ardmore, OK, with $226.1M (38.5% of its branch deposits). It had the same number of branches on June 30, 2025.
First National Bank and Trust Company of Ardmore at a glance
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.
- Total assets, Q2 2026
- $686.7M
- Tier 1 leverage ratio, Q2 2026
- 10.07%
- Deposit insurance
- FDIC
- Regulator
- OCC
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1889
Full financial profile · Is First National Bank and Trust Company of Ardmore safe? · First National Bank and Trust Company of Ardmore Q3 2026 call report, filed October 23, 2026 (preliminary) · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Ardmore, OK (4 branches) | 3 of 8 | 20.1% | $273.3M |
| State: OK (12 branches) | 43 of 192 | 0.4% | $587.6M |
Ranked by total assets among banks headquartered in the state: Largest banks in Oklahoma.
Share by county and metro area
First National Bank and Trust Company of Ardmore's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Carter, OK (5 branches) | 2 of 8 | 21.7% | $351.5M | $1.62B |
| Jefferson, OK (1 branch) | 1 of 5 | 37.5% | $72.4M | $193.0M |
| Love, OK (1 branch) | 2 of 3 | 33.5% | $50.0M | $149.2M |
| Stephens, OK (1 branch) | 7 of 10 | 3.3% | $45.8M | $1.37B |
| Marshall, OK (1 branch) | 4 of 4 | 7.5% | $32.0M | $425.3M |
| Murray, OK (1 branch) | 5 of 6 | 6.5% | $27.5M | $421.1M |
| Cleveland, OK (1 branch) | 27 of 28 | <0.1% | $5.9M | $6.19B |
| Oklahoma, OK (1 branch) | 60 of 60 | <0.1% | $2.5M | $47.25B |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Ardmore, OK (6 branches) | 2 of 8 | 22.7% | $401.4M | $1.77B |
| Duncan, OK (1 branch) | 7 of 10 | 3.3% | $45.8M | $1.37B |
| Oklahoma City, OK (2 branches) | 68 of 71 | <0.1% | $8.3M | $60.81B |
| 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 |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 4037) · FFIEC NIC profile (RSSD 984258)