The First National Bank and Trust Company of Miami
Miami, OK
IDRSSD: 837158
Total Assets
$207.11M
Latest filing
Total Deposits
$179.58M
Latest filing
Net Interest Margin
5.83%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
The First National Bank and Trust Company of Miami
2 N Main St
Miami, OK 74354
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1900FDIC Certificate 2708
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The First National Bank and Trust Company of Miami (Main) | 2 N Main St | Miami, OK |
| FAIRLAND BRANCH | 32 W Conner Ave | Fairland, OK |
| 1749 NORTH MAIN STREET BRANCH | 1749 N Main St | Miami, OK |
Showing 2 of 2
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 01/01/1900 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 74354 |
| State and County Number | 40115 |
| Subchapter S Corporations | No |
| 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 | Miami, OK |
Operational Info
| Number of Employees | 35 |
| Domestic Offices | 3 |
| 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.fnbmiami.com |
| Data Updated | 01/30/2026 |
| CERT | 4148 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $207.11M |
| Total Deposits | $179.58M |
| Total Liabilities | $180.75M |
| Total Equity Capital | $26.36M |
| Net Income | $-1,256,000 |
| Net Loans and Leases | $129.13M |
| Assets Per Employee ($Millions) | $5.75M |
| Bank Premises and Fixed Assets | $1.73M |
| Cash and Balances due from Depository Institutions | $15.69M |
| Deposits Held in Domestic Offices | $179.58M |
Key Performance Ratios
| Return on Assets (ROA) | -2.4% |
| Return on Equity (ROE) | -18.75% |
| Net Interest Margin | 5.83% |
| Efficiency Ratio | 165.08% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.09% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.729% |
| Earning Assets to total Assets | 92.95% |
Income and Expense
| Total Interest Income | $3.09M |
| Total Noninterest Income | $270.00k |
| Total Interest Expense | $259.00k |
| Total Noninterest Expense | $5.12M |
| Net Interest Income | $2.83M |
| Pre-tax Net Operating Income | $-2,063,000 |
| Provision for Credit Losses | $45.00k |
| 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 | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $4.91M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.17M |
| Total Liabilities and Capital | $207.11M |
Securities
| Securities | $50.40M |
| Available-for-sale debt securities | $47.29M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $3.11M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The First National Bank and Trust Company of Miami?
$207.11M as of the latest filing.
How much are The First National Bank and Trust Company of Miami's total deposits?
$179.58M in total deposits.
Where is The First National Bank and Trust Company of Miami located?
Miami, OK.
What is the Net Interest Margin?
5.83%.
How many domestic offices does it operate?
3.
When was it established?
01/01/1900.
What is the Return on Assets (ROA)?
-2.4%.
How much are total loans and leases?
$129.13M (latest filing).
What is the total interest income (latest filing)?
$3.09M.