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First National Bank and Trust Company of Ardmore

$100M-$1B Specialty: Commercial OK FDIC cert 4037

Ardmore, OK

12 branches across OK

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 106 in OK.
  • Deposits +6.4% year over year ($587.6M on the books).
  • Delinquency rate 0.03%.
  • Return on assets 1.56%.
  • Efficiency ratio 63.63% vs a 64.48% peer average.
  • Loan-to-deposit ratio 70.11% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 106 in OK
View $100M-$1B leaderboard (OK) →

First National Bank and Trust Company of Ardmore has 4 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

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 0.85% below tier average
  • + Delinquency Rate 0.89% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 16.0% in tier
Get updates when First National Bank and Trust Company of Ardmore releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Total Assets ? $686.7M
+0.8% YoY -3.1% QoQ
+$300.2M $386.6M
+1.2% YoY
$1.3B
+6.0% YoY
$6.3B
+7.7% YoY
Top 13.1% in tier
Total Loans ? $411.9M
+1.0% YoY -1.4% QoQ
+$153.6M $258.3M
+1.7% YoY
$835.5M
+7.1% YoY
$3.2B
+9.4% YoY
80%
Total Deposits ? $587.6M
+6.4% YoY -2.0% QoQ
+$260.8M $326.7M
+0.7% YoY
$967.8M
+5.8% YoY
$4.9B
+7.3% YoY
Top 13.1% in tier
Return on Assets ? 1.56%
+22.0% YoY +3.5% QoQ
+0.24% 1.32%
+10.8% YoY
1.35%
+7.7% YoY
1.30%
+12.1% YoY
69%
Net Interest Margin ? 4.15%
+8.4% YoY +1.2% QoQ
+0.16% 3.99%
+5.0% YoY
4.27%
+1.9% YoY
3.95%
+4.9% YoY
62%
Efficiency Ratio ? 63.63%
-6.7% YoY -1.0% QoQ
-0.85% 64.48%
-3.2% YoY
64.81%
-3.0% YoY
70.05%
+2.5% YoY
46%
Delinquency Rate ? 0.03%
-91.5% YoY +27.3% QoQ
-0.89% 0.92%
+15.7% YoY
1.78%
+23.7% YoY
0.98%
+16.3% YoY
83%
Loan-to-Deposit Ratio ? 70.11%
-5.0% YoY +0.7% QoQ
-7.84% 77.95%
+1.0% YoY
74.14%
+1.3% YoY
79.03%
+2.3% YoY
69%
Non-Interest-Bearing Deposit Share ? 31.91%
-13.8% YoY -0.4% QoQ
+9.88% 22.03%
-0.6% YoY
23.91%
-1.8% YoY
21.98%
-0.6% YoY
Top 14.6% in tier
Nonperforming Asset Ratio ? 0.02%
-91.5% YoY +29.5% QoQ
-0.65% 0.67%
+16.4% YoY
1.24%
+23.1% YoY
0.69%
+15.8% YoY
85%
Tier 1 Capital Ratio ? 10.07%
+4.5% YoY +0.5% QoQ
-5.84% 15.91%
+1.4% YoY
14.18%
-3.9% YoY
17.09%
+0.8% YoY
Bottom 11.6% in tier
Non-Interest Income / Assets ? 0.37%
-4.9% YoY +111.0% QoQ
-0.20% 0.57%
+7.6% YoY
0.31%
-11.7% YoY
0.66%
+5.2% YoY
82%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Noninterest-Bearing 31.9%
-5.1pp YoY
-0.1pp QoQ
 +9.8pp 22.1% 23.9% 22.2% 85%
Brokered Deposits n/a n/a 7.9% 9.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
C&I 15.9%
+1.8pp YoY
+1.6pp QoQ
 +4.4pp 11.6% 15.7% 12.5% 79%
CRE 41.8%
-1.5pp YoY
+0.3pp QoQ
 +2.3pp 39.5% 42.0% 41.4% 57%
1-4 Family 23.6%
+1.6pp YoY
+0.1pp QoQ
 -9.0pp 32.6% 24.0% 31.3% 38%
Consumer 3.7%
-0.6pp YoY
-0.1pp QoQ
 -0.4pp 4.1% 5.6% 5.0% 67%

Capital

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 17.0% 19.7% n/a
Leverage Ratio 10.1%
+0.4pp YoY
+0.1pp QoQ
 -2.1pp 12.2% 11.7% 12.6% 33%
Total Capital Ratio n/a n/a 19.9% 18.2% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Full-Time Employees 148
+2 (+1.4%) YoY
-3 (-2.0%) QoQ
 +89 58 150 482 97%
Assets per Employee ($) $4.6M
-0.5% YoY
-1.1% QoQ
 -$2.9M $7.5M $6.5M $8.8M 10%
Branch Count 12
0 YoY
0 QoQ
 +7 4 8 18 95%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Past Due 90+ Days 0.0%
-0.1pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.9% 0.4% 29%
Nonaccrual n/a n/a 0.9% 1.5% 1.0% n/a
Allowance Coverage 51.81x
+1089.1% YoY
-17.8% QoQ
 +27.66x 24.15x 61.99x 20.23x 94%
Net Charge-off Rate (YTD) -0.0%
-0.1pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.2% 0.2% 16%

Profitability

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
ROE 15.4%
+1.0pp YoY
+0.4pp QoQ
 +3.2pp 12.2% 11.9% 11.6% 70%
Cost of Funds (YTD) 1.4%
-0.2pp YoY
0.0pp QoQ
 -0.3pp 1.7% 1.8% 1.7% 32%
Net Income ($, YTD) $5.4M
+25.3% YoY
— QoQ
 +$2.8M $2.6M $8.7M $40.4M 89%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Capital Thin

risk
#107 of 661 • Bottom 16.0% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.07%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (7 metrics)

346
Total Deposits
size
Value: $587.57M
Peer Median: $326.73M
#346 of 2643 Top 13.1% in $100M-$1B
347
Total Assets
size
Value: $686.75M
Peer Median: $386.57M
#347 of 2643 Top 13.1% in $100M-$1B
386
Non-Interest-Bearing Deposit Share
funding
Value: 31.91%
Peer Median: 22.03%
#386 of 2643 Top 14.6% in $100M-$1B
402
Nonperforming Asset Ratio
credit_quality
Value: 0.02%
Peer Median: 0.67%
#402 of 2643 Top 15.2% in $100M-$1B
448
Delinquency Rate
credit_quality
Value: 0.03%
Peer Median: 0.92%
#448 of 2633 Top 17.0% in $100M-$1B
481
Non-Interest Income / Assets
revenue_mix
Value: 0.37%
Peer Median: 0.57%
#481 of 2643 Top 18.2% in $100M-$1B
517
Total Loans
size
Value: $411.95M
Peer Median: $258.35M
#517 of 2643 Top 19.5% in $100M-$1B

Top Weaknesses (1 metrics)

2338
Tier 1 Capital Ratio
capital
Value: 10.07%
Peer Median: 15.91%
#2338 of 2643 Bottom 11.6% in $100M-$1B
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