What is First National Bank and Trust Company of Ardmore's financial health grade?

First National Bank and Trust Company of Ardmore has a TFS Financial Health Grade of D+ (score: 68.7/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does First National Bank and Trust Company of Ardmore have?

First National Bank and Trust Company of Ardmore has 12 branch locations across the United States.

Is First National Bank and Trust Company of Ardmore FDIC insured?

Yes, First National Bank and Trust Company of Ardmore is FDIC insured (Certificate #4037).

What are the total assets of First National Bank and Trust Company of Ardmore?

First National Bank and Trust Company of Ardmore has total assets of $672.3M as reported in its most recent FDIC filing.

First National Bank and Trust Company of Ardmore

BankArdmore, Oklahoma

www.1nb.bank

Total Assets

$672.3M

Total Deposits

$560.5M

Branches

Established

1889

TFS Health Grade

D+

68.7 / 100

Below average financial health

How we grade

First National Bank and Trust Company of Ardmore is a bank headquartered in Ardmore, Oklahoma, established in 1889. With $672.3M in total assets and 12 branch locations, it has a TFS Financial Health Grade of D+ (68.7/100).

Capital & Safety

Tier 1 Capital Ratio

9.98%(8%)

Total Capital Ratio

0.00%(10%)

Non-Performing Loan Ratio

0.46%

Profitability

Return on Assets (ROA)

1.44%(1%)

Return on Equity (ROE)

15.45%(10%)

Net Interest Margin

3.96%

Efficiency Ratio

64.90%(60%)

Lending & Liquidity

Total Loans

$426.3M

Loan-to-Deposit Ratio

75.12%

Net Charge-Off Ratio

0.18%

Growth

Asset Growth (YoY)

+1.52%

Deposit Growth (YoY)

+5.45%

Net Income

$9.7M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
First National Bank and Trust Company of ArdmoreHQ	405 W Main St	Ardmore	OK	11
First National Bank and Trust Company of Ardmore	1402 12th Ave Nw	Ardmore	OK	11
First National Bank and Trust Company of Ardmore	115 D St Nw	Ardmore	OK	23
First National Bank and Trust Company of Ardmore	1226 W Broadway St	Ardmore	OK	11
First National Bank and Trust Company of Ardmore	1763 W 33rd St	Edmond	OK	11
First National Bank and Trust Company of Ardmore	Highway 70 And Newport Road	Lone Grove	OK	11
First National Bank and Trust Company of Ardmore	401 S 1st St	Madill	OK	11
First National Bank and Trust Company of Ardmore	1101 Memorial Dr	Marietta	OK	11
First National Bank and Trust Company of Ardmore	716 Wall St	Norman	OK	11
First National Bank and Trust Company of Ardmore	125 West Main Street	Ringling	OK	11
First National Bank and Trust Company of Ardmore	2013 W Broadway Ave	Sulphur	OK	11
First National Bank and Trust Company of Ardmore	Fourth And Main Streets	Velma	OK	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.