BlastPoint's Banking Scorecard
First National Bank and Trust Company of Ardmore
Ardmore, OK
12 branches across OK
First National Bank and Trust Company of Ardmore has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.24% above tier average
- + Net Interest Margin 0.16% above tier average
- + Efficiency Ratio 0.99% below tier average
- + Delinquency Rate 0.87% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 43.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$708.4M
+5.8% YoY
+5.4% QoQ
|
+$322.3M |
$386.1M
+0.5% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.1% YoY
|
Top 12.2% in tier |
| Total Loans ? |
$417.6M
+0.9% YoY
-0.8% QoQ
|
+$161.9M |
$255.7M
+1.1% YoY
|
$822.6M
+7.2% YoY
|
$3.2B
+10.8% YoY
|
81% |
| Total Deposits ? |
$599.7M
+11.5% YoY
+7.0% QoQ
|
+$271.8M |
$328.0M
+0.1% YoY
|
$956.7M
+4.7% YoY
|
$4.8B
+8.2% YoY
|
Top 12.4% in tier |
| Return on Assets ? |
1.51%
+21.7% YoY
+4.7% QoQ
|
+0.24% |
1.27%
+12.9% YoY
|
1.34%
+7.6% YoY
|
1.23%
+13.4% YoY
|
68% |
| Net Interest Margin ? |
4.10%
+9.5% YoY
+3.4% QoQ
|
+0.16% |
3.93%
+6.0% YoY
|
4.25%
+2.4% YoY
|
3.89%
+5.7% YoY
|
63% |
| Efficiency Ratio ? |
64.30%
-5.9% YoY
-0.9% QoQ
|
-0.99% |
65.29%
-4.5% YoY
|
65.16%
-1.8% YoY
|
66.95%
-4.1% YoY
|
47% |
| Delinquency Rate ? |
0.02%
-92.5% YoY
-95.6% QoQ
|
-0.87% |
0.89%
+18.8% YoY
|
1.61%
+16.3% YoY
|
0.95%
+18.8% YoY
|
84% |
| Loan-to-Deposit Ratio ? |
69.63%
-9.6% YoY
-7.3% QoQ
|
-7.00% |
76.64%
+0.8% YoY
|
73.83%
+1.6% YoY
|
76.70%
+0.9% YoY
|
68% |
| Non-Interest-Bearing Deposit Share ? |
32.03%
-11.1% YoY
-4.1% QoQ
|
+10.01% |
22.02%
-1.0% YoY
|
23.68%
-1.7% YoY
|
22.01%
-1.2% YoY
|
Top 13.9% in tier |
| Nonperforming Asset Ratio ? |
0.01%
-92.9% YoY
-95.9% QoQ
|
-0.63% |
0.64%
+19.7% YoY
|
1.12%
+15.3% YoY
|
0.67%
+19.3% YoY
|
Top 14.6% in tier |
| Tier 1 Capital Ratio ? |
10.01%
+4.8% YoY
+0.3% QoQ
|
-5.82% |
15.83%
+1.5% YoY
|
14.36%
-1.8% YoY
|
17.06%
+0.8% YoY
|
Bottom 9.9% in tier |
| Non-Interest Income / Assets ? |
0.17%
-7.6% YoY
-77.6% QoQ
|
-0.11% |
0.28%
+9.3% YoY
|
0.15%
-5.6% YoY
|
0.32%
+4.1% YoY
|
80% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.