Bank Routing Number

First National Bank and Trust Company of Ardmore Routing Number

The primary ABA routing number (RTN) for First National Bank and Trust Company of Ardmore, Ardmore, OK is shown below.

Primary ABA / RTN

103100522

Verify before you send money. This is the bank's primary registered routing number, taken from the FFIEC National Information Center institution record (last refreshed here on October 8, 2026). Banks often use a different routing number for wire transfers than for ACH, and large banks vary it by region; always confirm the correct number on a check or with your bank before initiating a transfer.

What is an ABA routing number?

An ABA routing number, also called a routing transit number (RTN), is a 9-digit code that identifies a U.S. financial institution in the payment system. It tells ACH transfers, Fedwire payments, and paper checks which bank to route money to. The format was created by the American Bankers Association in 1910 and is still the backbone of U.S. domestic payments.

What is the difference between a routing number and an account number?

Your routing number identifies the bank; your account number identifies your specific account at that bank. On a paper check, the routing number is the 9-digit number in the bottom-left, and the account number is to its right.

What is the First National Bank and Trust Company of Ardmore routing number?

The First National Bank and Trust Company of Ardmore routing number is 103100522. It is the primary ABA routing transit number registered to First National Bank and Trust Company of Ardmore, headquartered in Ardmore, OK. A bank can hold more than one routing number, so this is the one on record for the institution, not necessarily the one printed on every check. The number comes from the FFIEC National Information Center institution record, last refreshed here on October 8, 2026.

What is the First National Bank and Trust Company of Ardmore wire routing number?

This page lists 103100522, the primary routing number registered to First National Bank and Trust Company of Ardmore. The record does not say whether the bank uses the same number for wire transfers, and many banks use a separate routing number for domestic wires. Confirm the wire routing number with First National Bank and Trust Company of Ardmore before sending a wire.

Is ABA number 103100522 the routing number for First National Bank and Trust Company of Ardmore?

Yes. ABA number 103100522 is the primary routing number registered to First National Bank and Trust Company of Ardmore. Check it against the routing number on a check or in your online banking before sending an ACH payment, because a bank can use different numbers by region or product.

Which bank uses routing number 103100522?

Routing number 103100522 belongs to First National Bank and Trust Company of Ardmore, headquartered in Ardmore, OK. It is the bank's primary ABA routing number (FDIC certificate 4037).

Routing numbers of similar-size institutions in Oklahoma

Bank, Ardmore, OK: American Nation Bank: 103102960
Bank, Ardmore, OK: Citizens Bank & Trust Company of Ardmore: 103102274
Bank, Hinton, OK: Legacy Bank: 103104887
Bank, Antlers, OK: FirstBank: 103103396
Bank, Tulsa, OK: Grand Bank: 103912875
Bank, Guthrie, OK: Prism Bank: 103012908
Bank, Owasso, OK: First Bank of Owasso: 103112853
Credit union, Tulsa, OK: Oklahoma Central Credit Union: 303986096

All routing numbers in Oklahoma

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Regulator records: FDIC BankFind (cert 4037) · FFIEC NIC profile (RSSD 984258)