The First National Bank and Trust Company of Miami
The First National Bank and Trust Company of Miami is an FDIC-insured commercial bank headquartered in Miami, OK, supervised by the OCC, with $191.4M in total assets at Q2 2026, down 7.5% from Q2 2025, the 103rd largest of 169 banks headquartered in Oklahoma. Its FDIC certificate number is 4148. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.42% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
Also written as FNB&T
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 4148
- Headquarters
- Miami, OK
- Established
- Not reported
- Total assets, Q2 2026
- $191.4M
- Assets vs Q2 2025
- -7.5%
- Tier 1 leverage ratio, Q2 2026
- 13.42%
- Domestic offices
- 3 · The First National Bank and Trust Company of Miami branches FDIC institution directory, current count
- Routing number
- 103101754
- Safety and soundness
- Is The First National Bank and Trust Company of Miami safe?
- Latest call report
- Q2 2026, FFIEC 051 · The First National Bank and Trust Company of Miami Q3 2026 call report, filed October 29, 2026 (preliminary)
- Holding company
- FIRST MIAMI BANCSHARES, INC.
- Asset rank in state
- 103rd of 169 in Oklahoma
Problem loans are rising at The First National Bank and Trust Company of Miami. The Miami, Oklahoma bank had $191 million in assets at June 30, 2026, down 7.5% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.60% of loans from 0.04% a year earlier. It keeps 5.36 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 3.96 cents). It also pays an average of 0.87% on its deposits and borrowings, about half the median of 1.80% for banks its size.
Net income for the quarter slipped 18% from a year earlier, to $936,000. Over the same year, loans grew 9.0% and deposits shrank 9.2%.
As of June 30, 2026, The First National Bank and Trust Company of Miami reported a return on assets of 1.88%, a nonperforming-loan ratio of 0.60% and a Texas ratio of 2.92%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The First National Bank and Trust Company of Miami is the 103rd largest of the 169 banks headquartered in Oklahoma. From Q1 2026 to Q2 2026, its total assets fell 7.3% to $191.4M, loans fell 2.1% and deposits fell 8.7%. Its loan book on June 30, 2026 was led by farmland and other real estate loans, at 26.1% of total loans, followed by agricultural production loans at 22.3%. The FDIC Summary of Deposits lists 3 offices for it, in Miami, OK and Fairland, OK; its Miami 2 offices book 92% of its branch deposits. Judged on its Q2 2026 call report, The First National Bank and Trust Company of Miami meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 2 N Main St, Miami, OK 74354
- County
- Ottawa
- Metro Area
- Miami, 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
- Former names
- The First National Bank and Trust Company of Miami (1978)
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 36
- Domestic deposits
- $162.6M
- Allowance for credit losses
- $1.7M
- Net charge-offs (YTD)
- $1K
- Average total assets
- $199.0M
- Average total loans
- $134.4M
- Average interest-bearing deposits
- $109.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4148
- Fed RSSD
- 837158
- Website
- www.fnbmiami.com →
- Parent Holding Company
- FIRST MIAMI BANCSHARES, INC. (RSSD 1061316)
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. After a merger that grows assets 25% or more, the UBPR averages balances from the merger date on while the income stays year to date, so a YTD ratio can differ widely from the ratio of either quarter. 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, The First National Bank and Trust Company of Miami reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
The First National Bank and Trust Company of Miami's total assets moved between a low of $191.4M (Q2 2026) and a high of $220.4M (Q3 2023) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$191.4M total assets against $207.0M; $164.1M total liabilities against $181.0M.
$134.0M net loans and leases against $123.0M; $162.6M total deposits against $179.0M.
$27.8M securities against $65.6M; $22.7M cash and balances due against $9.9M.
$2.9M total interest income against $3.0M; $370K total interest expense against $233K.
$2.5M net interest income against $2.8M.
$270K total noninterest income against $257K; $1.5M total noninterest expense against $1.5M.
$76K provision for credit losses against $46K.
$936K net income against $1.1M.
1.88% return on assets against 2.20%; 5.36% net interest margin against 5.74%.
13.42% tier 1 leverage ratio against 12.77%.
Inside the full The First National Bank and Trust Company of Miami terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe First National Bank and Trust Company of Miami rankings
Its closest position to the top of a national ranking is 636 of 3,611, for ROA; its furthest is 3,022 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -2.44% (Q4 2025) to 2.74% (Q3 2024) and its net interest margin ran from 5.36% (Q2 2026) to 6.21% (Q4 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.42% | 1.88% | 0.60% | 2.92% | 5.36% |
| Q1 2026 | 12.59% | 2.07% | 0.83% | 4.22% | 5.40% |
| Q4 2025 | 12.40% | -2.44% | 0.79% | 3.87% | 5.83% |
| Q3 2025 | 12.77% | 1.93% | 0.24% | 1.06% | 5.59% |
| Q2 2025 | 12.77% | 2.20% | 0.04% | 0.19% | 5.74% |
| Q1 2025 | 12.40% | 2.41% | 0.02% | 0.09% | 6.00% |
| Q4 2024 | 12.13% | 2.40% | 0.25% | 1.12% | 6.21% |
| Q3 2024 | 11.68% | 2.74% | 0.90% | 3.89% | 6.18% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 |
|---|---|---|---|
| The First National Bank and Trust Company of Miami | Miami , OK | 74354 | $129.5M |
| 1749 North Main Street Branch | Miami , OK | 74354 | $20.5M |
| Fairland Branch | Fairland , OK | 74343 | $12.6M |
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 |
|---|---|---|---|
| April 23, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 23, 2016 | Structure Change | Acquired The First Bank of Fairland Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 28, 1998 | Structure Change | Acquired Bank of Miami Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 27, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in OK, rank 116 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $758K approved, $758K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2011 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 The First National Bank and Trust Company of Miami
What are The First National Bank and Trust Company of Miami's total assets?
As of the Q2 2026 filing, The First National Bank and Trust Company of Miami reported total assets of $191.4 million in its FFIEC call report.
Where is The First National Bank and Trust Company of Miami headquartered?
It is headquartered in Miami, OK, United States.
Is The First National Bank and Trust Company of Miami FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4148). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The First National Bank and Trust Company of Miami?
The First National Bank and Trust Company of Miami's primary federal regulator is the OCC.
How many branches does The First National Bank and Trust Company of Miami operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The First National Bank and Trust Company of Miami's Texas Ratio?
Its Texas Ratio is 2.92% 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.
What was The First National Bank and Trust Company of Miami previously called?
The charter now named The First National Bank and Trust Company of Miami has also operated as The First National Bank and Trust Company of Miami (1978), per FDIC structure-change records.
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