First National Bank and Trust Company of Ardmore: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 76.02 percentage points higher than in Q1 2026, at 1392.04%. Within Oklahoma, First National Bank and Trust Company of Ardmore is 70th of 169 on return on assets, 1.58% as of Q2 2026, above the middle of the field. First National Bank and Trust Company of Ardmore reported 1.58% on return on assets for Q2 2026, 0.33 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.07% |
| Equity capital to assets | 10.36% |
| Tangible equity to tangible assets | 9.75% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.10% |
| Non-performing assets ratio | 0.06% |
| Net charge-off ratio | -0.02% |
| Texas ratio | 0.71% |
| Allowance for credit losses to loans | 1.34% |
| Reserve coverage of non-performing loans | 1392.04% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.58% |
| Return on equity | 15.74% |
| Net interest margin | 4.10% |
| Efficiency ratio | 62.14% |
| Yield on earning assets | 5.52% |
| Cost of funds | 1.49% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 71.06% |
| Core deposits to total deposits | 92.34% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.56% |
| Securities to assets | 30.50% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.15% | 0.76% | 2.97% | 0.18% | 0.10% |
| Q4 2023 | 9.16% | 0.89% | 3.21% | 0.15% | 0.03% |
| Q1 2024 | 9.04% | 0.77% | 3.11% | 0.14% | 0.05% |
| Q2 2024 | 9.11% | 0.63% | 3.27% | 0.45% | 0.04% |
| Q3 2024 | 9.22% | 0.84% | 3.38% | 0.26% | 0.88% |
| Q4 2024 | 9.51% | 1.21% | 3.57% | 0.27% | -0.30% |
| Q1 2025 | 9.55% | 1.22% | 3.70% | 0.24% | 0.04% |
| Q2 2025 | 9.63% | 1.31% | 3.89% | 0.24% | 0.09% |
| Q3 2025 | 9.77% | 1.49% | 3.98% | 0.24% | 0.03% |
| Q4 2025 | 9.98% | 1.69% | 4.13% | 0.10% | 0.60% |
| Q1 2026 | 10.01% | 1.51% | 4.09% | 0.10% | 0.01% |
| Q2 2026 | 10.07% | 1.58% | 4.10% | 0.10% | -0.02% |
First National Bank and Trust Company of Ardmore vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First National Bank and Trust Company of Ardmore, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First National Bank and Trust Company of Ardmore profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4037) · FFIEC NIC profile (RSSD 984258)