B
First National Bank and Trust Company of Ardmore
Ardmore,  OK
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
9.77
Return On
Assets
1.34%
Total
Assets
668.48M
Capital
65.28M
Total
Deposits
562.27M
Net
Income
6.83M
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Weiss Ratings First National Bank and Trust Company of Ardmore
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Rating B
Asset Quality Index 6.90
Capitalization Index 8.20
Liquidity Index 2.60
Profitability Index 5.50
Stability Index 6.50
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 -0.07%
5-Year Asset Growth 4.25%
5-Year Charge-Offs to Average Loans 0.05%
Charge-Offs to Average Loans 0.05%
Non-Performing Assets to Assets 0.15%
Non-Performing Loans to Capital 3.48%
Non-Performing Loans to Loans 0.24%
Balance Sheet First National Bank and Trust Company of Ardmore
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Total Assets 668.48M
Total Deposits 562.27M
Capital and Reserves First National Bank and Trust Company of Ardmore
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Capital 65.28M
Leverage Ratio 9.77
Loan Loss Reserves to Loans 1.36%
Risk-Based Capital Ratio --
Liquidity First National Bank and Trust Company of Ardmore
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Hot Money Ratio 15.23%
Liquidity Ratio 18.56%
Profitability First National Bank and Trust Company of Ardmore
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5-Year Return on Average Assets 0.97%
Net Income 6.83M
Net Interest Spread 3.86%
Operating Profit to Average Assets 1.34%
Overhead Efficiency Ratio 66.93%
Return on Assets 1.34%
Return on Equity 14.88%