B
First National Bank and Trust Company of Ardmore
Ardmore,  OK
Rating Date
March 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
9.98
Return On
Assets
1.43%
Total
Assets
672.34M
Capital
68.65M
Total
Deposits
560.51M
Net
Income
9.68M
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Weiss Ratings First National Bank and Trust Company of Ardmore
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Rating B
Asset Quality Index 7.00
Capitalization Index 8.50
Liquidity Index 2.40
Profitability Index 5.70
Stability Index 5.70
Company Info First National Bank and Trust Company of Ardmore
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FDIC Number 4037
Phone Number (580) 223-1111
Website www.1nb.com
Asset Quality First National Bank and Trust Company of Ardmore
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1-Year Asset Growth 1.52%
5-Year Asset Growth 3.30%
5-Year Charge-Offs to Average Loans 0.05%
Charge-Offs to Average Loans 0.18%
Non-Performing Assets to Assets 0.06%
Non-Performing Loans to Capital 3.03%
Non-Performing Loans to Loans 0.10%
Balance Sheet First National Bank and Trust Company of Ardmore
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Total Assets 672.34M
Total Deposits 560.51M
Capital and Reserves First National Bank and Trust Company of Ardmore
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Capital 68.65M
Leverage Ratio 9.98
Loan Loss Reserves to Loans 1.24%
Risk-Based Capital Ratio --
Liquidity First National Bank and Trust Company of Ardmore
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Hot Money Ratio 15.59%
Liquidity Ratio 17.07%
Profitability First National Bank and Trust Company of Ardmore
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5-Year Return on Average Assets 0.97%
Net Income 9.68M
Net Interest Spread 3.93%
Operating Profit to Average Assets 1.43%
Overhead Efficiency Ratio 64.90%
Return on Assets 1.43%
Return on Equity 15.45%