First National Bank and Trust Company of Ardmore: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First National Bank and Trust Company of Ardmore of Ardmore, OK against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.58% | 1.34% | +0.24% | 68th above |
| ROAE | 15.74% | 13.32% | +2.42% | 70th above |
| Net Interest Margin | 4.10% | 3.93% | +0.17% | 59th above |
| Efficiency Ratio | 62.14% | 61.13% | +1.01% | 48th below |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.66% | 1.68% | -0.02% | 55th above |
| Yield on Earning Assets | 5.52% | 5.67% | -0.15% | 46th below |
| Cost of Funds | 1.49% | 1.88% | -0.39% | 70th above |
| Net Interest Spread | 3.38% | 3.32% | +0.06% | 53rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.10% | 0.94% | -0.84% | 73rd above |
| NPA / Total Assets | 0.06% | 0.70% | -0.64% | 76th top |
| NCO / Avg Loans | -0.02% | 0.16% | -0.18% | 92nd top |
| ACL / Total Loans | 1.34% | 1.28% | +0.06% | 67th above |
| ACL / NPLs (Coverage) | 1392.04% | 1546.23% | -154.19% | — |
| Texas Ratio | 0.71% | 7.34% | -6.63% | 77th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.07% | 12.14% | -2.07% | 33rd below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.36% | 11.37% | -1.01% | 50th above |
| TCE / Tangible Assets | 9.75% | 11.08% | -1.33% | 45th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 71.06% | 80.67% | -9.61% | 69th above |
| Core Deposit Ratio | 92.34% | 86.85% | +5.49% | 70th above |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 3.71% | 5.04% | -1.33% | 48th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.84% | 6.85% | -6.01% | 24th bottom |
| Loan Growth (Y/Y) | 1.03% | 7.92% | -6.89% | 27th below |
| Deposit Growth (Y/Y) | 6.36% | 6.29% | +0.07% | 66th above |
See First National Bank and Trust Company of Ardmore's peers by name
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Unlock First National Bank and Trust Company of Ardmore, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First National Bank and Trust Company of Ardmore profile, how to read a UBPR, or how this data updates.