First National Bank and Trust Company of Ardmore
Ardmore, OK
IDRSSD: 984258
Total Assets
$672.34M
Latest filing
Total Deposits
$560.51M
Latest filing
Net Interest Margin
4.16%
Profitability
Key People
Loading leadership data...
Locations
Main office and branches. Select to view on the map.
Main Office
First National Bank and Trust Company of Ardmore
405 W Main St
Ardmore, OK 73401
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1889FDIC Certificate 2616
Branches (11)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| First National Bank and Trust Company of Ardmore (Main) | 405 W Main St | Ardmore, OK |
| VELMA BRANCH | Fourth And Main Streets | Velma, OK |
| LONE GROVE BRANCH | Highway 70 And Newport Road | Lone Grove, OK |
| HIGHWAY 32 WEST BRANCH | 1101 Memorial Dr | Marietta, OK |
| DRIVE-IN BRANCH | 115 D St Nw | Ardmore, OK |
| 12TH STREET BRANCH | 1402 12th Ave Nw | Ardmore, OK |
| ARDMORE BRANCH | 1226 W Broadway St | Ardmore, OK |
| 125 WEST MAIN STREET BRANCH | 125 West Main Street | Ringling, OK |
Showing 7 of 11
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
American Nation Bank
Ardmore, Oklahoma
→
Assets: $682.26MΔ +2.1%
Citizens Bank and Trust Company of Ardmore
Ardmore, Oklahoma
→
Assets: $318.09MΔ -52.4%
Grand Bank
Tulsa, Oklahoma
→
Assets: $670.16MΔ +0.3%
Legacy Bank
Hinton, Oklahoma
→
Assets: $644.91MΔ -3.5%
FirstBank
Antlers, Oklahoma
→
Assets: $640.63MΔ -4.2%
All America Bank
Oklahoma City, Oklahoma
→
Assets: $599.67MΔ -10.3%
Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 01/01/1889 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 73401 |
| State and County Number | 40019 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 10 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Ardmore, OK |
Operational Info
| Number of Employees | 151 |
| Domestic Offices | 12 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.1nb.bank |
| Data Updated | 01/30/2026 |
| CERT | 4037 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $672.34M |
| Total Deposits | $560.51M |
| Total Liabilities | $603.69M |
| Total Equity Capital | $68.65M |
| Net Income | $2.85M |
| Net Loans and Leases | $421.06M |
| Assets Per Employee ($Millions) | $4.51M |
| Bank Premises and Fixed Assets | $10.05M |
| Cash and Balances due from Depository Institutions | $11.69M |
| Deposits Held in Domestic Offices | $560.51M |
Key Performance Ratios
| Return on Assets (ROA) | 1.7% |
| Return on Equity (ROE) | 17.02% |
| Net Interest Margin | 4.16% |
| Efficiency Ratio | 59.09% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.18% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.211% |
| Earning Assets to total Assets | 91.61% |
Income and Expense
| Total Interest Income | $8.68M |
| Total Noninterest Income | $1.29M |
| Total Interest Expense | $2.27M |
| Total Noninterest Expense | $4.55M |
| Net Interest Income | $6.41M |
| Pre-tax Net Operating Income | $2.85M |
| Provision for Credit Losses | $300.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $11.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $3.04M |
| Federal Funds Purchased and Repurchased Agreement | $29.80M |
| All Other Liabilities | $2.38M |
| Total Liabilities and Capital | $672.34M |
Securities
| Securities | $191.79M |
| Available-for-sale debt securities | $152.67M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $39.12M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of First National Bank and Trust Company of Ardmore?
$672.34M as of the latest filing.
How much are First National Bank and Trust Company of Ardmore's total deposits?
$560.51M in total deposits.
Where is First National Bank and Trust Company of Ardmore located?
Ardmore, OK.
What is the Net Interest Margin?
4.16%.
How many domestic offices does it operate?
12.
When was it established?
01/01/1889.
What is the Return on Assets (ROA)?
1.7%.
How much are total loans and leases?
$421.06M (latest filing).
What is the total interest income (latest filing)?
$8.68M.