The First National Bank and Trust Company of Miami vs THE SEILING STATE BANK
This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
The First National Bank and Trust Company of Miami
Miami, OK
Health score
83.6
Total assets
$191.4M
Bank
THE SEILING STATE BANK
Seiling, OK
Health score
83.9
Total assets
$195.0M
Answer first
Different strengths, no blanket winner
The First National Bank and Trust Company of Miami leads on capitalization and profitability; THE SEILING STATE BANK leads on financial health and lending quality and growth. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Where each institution leads
Financial health
THE SEILING STATE BANK
Higher TFS health score
Capitalization
The First National Bank and Trust Company of Miami
Higher comparable capital ratio
Profitability
The First National Bank and Trust Company of Miami
Higher return on assets
Lending quality
THE SEILING STATE BANK
Lower problem-loan measure
Growth
THE SEILING STATE BANK
Higher year-over-year asset growth
Same-source detail
Financial metrics
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | The First National Bank and Trust Company of Miami | THE SEILING STATE BANK |
|---|---|---|
| TFS health score | 83.6/100 | 83.9/100Leads |
| Total assets | $191.4M | $195.0M |
| Total deposits / shares | $162.6M | $175.2M |
| Tier 1 capital ratio | 13.42%Leads | 10.54% |
| Return on assets | 1.99%Leads | 1.60% |
| Return on equity | 14.96% | 17.04%Leads |
| Non-performing loans | 0.60% | 0.00%Leads |
| Net charge-offs | 0.00% | -0.60%Leads |
| Efficiency ratio | 50.44%Leads | 70.05% |
| Loan-to-deposit ratio | 82.44% | 78.31% |
| Asset growth (YoY) | -7.51% | 2.77%Leads |
| Deposit / share growth (YoY) | -9.18% | 0.55%Leads |
| Branches | 3 | 3 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
Branch and market overlap
The First National Bank and Trust Company of Miami
3 branches
THE SEILING STATE BANK
3 branches
Both institutions report branches in 1 state: OK.
CFPB complaint coverage
The First National Bank and Trust Company of Miami
Unavailable
THE SEILING STATE BANK
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
Regulatory-action context
The First National Bank and Trust Company of Miami
0 in TFS registry
THE SEILING STATE BANK
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
Health and profitability trend
| Quarter | The First National Bank and Trust Company of Miami score | The First National Bank and Trust Company of Miami ROA | THE SEILING STATE BANK score | THE SEILING STATE BANK ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 2.70% | — | 0.78% |
| 2024-Q4 | — | 2.63% | — | 0.70% |
| 2025-Q1 | — | 2.42% | — | 1.09% |
| 2025-Q2 | — | 2.31% | — | 1.03% |
| 2025-Q3 | — | 2.19% | — | 1.03% |
| 2025-Q4 | — | 1.03% | — | -1.20% |
| 2026-Q1 | 91.1/100 | 2.07% | 85.7/100 | 2.16% |
| 2026-Q2 | 83.6/100 | 1.99% | 83.9/100 | 1.60% |
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Coverage boundaries
What this does not conclude
- • No product-rate, fee, or customer-service winner without product data.
- • Complaint comparisons appear only when both institutions have reviewed mappings and the same complete source window.
- • Regulatory actions are displayed separately and are not included in category scoring.
Related comparisons
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Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Every valid pair is viewable; pairs enter search automatically only when current data, comparability, and visitor interest meet the publication rules.