B
The First National Bank and Trust Company of Miami
Miami,  OK
Rating Date
March 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
12.40
Return On
Assets
1.03%
Total
Assets
207.11M
Capital
26.36M
Total
Deposits
179.58M
Net
Income
2.14M
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Weiss Ratings The First National Bank and Trust Company of Miami
Miami, OK 		Click to
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Rating B
Asset Quality Index 7.90
Capitalization Index 10.00
Liquidity Index 2.90
Profitability Index 4.10
Stability Index 7.10
Company Info The First National Bank and Trust Company of Miami
Miami, OK 		Click to
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FDIC Number 4148
Phone Number (918) 542-3371
Website www.fnbmiami.com
Asset Quality The First National Bank and Trust Company of Miami
Miami, OK 		Click to
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1-Year Asset Growth 2.52%
5-Year Asset Growth 4.97%
5-Year Charge-Offs to Average Loans 0.04%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.11%
Non-Performing Loans to Capital 3.84%
Non-Performing Loans to Loans 0.18%
Balance Sheet The First National Bank and Trust Company of Miami
Miami, OK 		Click to
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Total Assets 207.11M
Total Deposits 179.58M
Capital and Reserves The First National Bank and Trust Company of Miami
Miami, OK 		Click to
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Capital 26.36M
Leverage Ratio 12.40
Loan Loss Reserves to Loans 1.21%
Risk-Based Capital Ratio --
Liquidity The First National Bank and Trust Company of Miami
Miami, OK 		Click to
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Hot Money Ratio 1.37%
Liquidity Ratio 12.51%
Profitability The First National Bank and Trust Company of Miami
Miami, OK 		Click to
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5-Year Return on Average Assets 1.35%
Net Income 2.14M
Net Interest Spread 5.79%
Operating Profit to Average Assets 1.21%
Overhead Efficiency Ratio 78.33%
Return on Assets 1.03%
Return on Equity 8.25%