First National Bank and Trust Company of Ardmore
Ardmore, Oklahoma, Carter County
$687M in total assets, the 1,417th largest of 4,309 US banks and 38th of 171 headquartered in Oklahoma.
- FDIC certificate
- 4037
- Established
- 1889
- Owned by
- First Natl Corp Of Ardmore Inc
- Primary regulator
- OCC
- Website
- www.1nb.bank
At a glance
Compared with 105 banks headquartered in Oklahoma with $100 million to $1 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $687M | 89% | $317M | |
| Loans | $418M | 82% | $199M | |
| Deposits | $588M | 88% | $269M | |
| Return on assets | 1.58% | 58% | 1.39% | |
| Net interest margin | 4.15% | 44% | 4.21% | |
| Efficiency ratio | 63.6% | 60% | 60.8% | |
| Equity to assets | 10.36% | 53% | 10.25% | |
| Loans to deposits | 71% | 31% | 80% |
Growth
Total assets grew 2.3% a year over the last 5 years and 3.3% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jun 2008 | Citizens Bank Velma, OK | $19M |
| Oct 1997 | Ringling State Bank Ringling, OK | $31M |
| Sep 1996 | First Community Bank and Trust Company of Lone Grove Lone Grove, OK | $44M |
| Jun 1996 | Bank of Love County Marietta, OK, an affiliate under the same holding company | $24M |
Where they operate
12 branches in 8 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Carter County, OK | $351M | 21.7% | 2 of 8 |
| Jefferson County, OK | $72M | 37.5% | 1 of 5 |
| Love County, OK | $50M | 33.5% | 2 of 3 |
| Stephens County, OK | $46M | 3.3% | 7 of 10 |
| Marshall County, OK | $32M | 7.5% | 4 of 4 |
| Murray County, OK | $28M | 6.5% | 5 of 6 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 3 branches since 2016 (9 to 12, +33.3%). 3 opened, 0 acquired, 0 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 9 | |||
| 2016 | Opened Norman | 1 | 0 | +1 | 10 |
| 2019 | Opened Madill | 1 | 0 | +1 | 11 |
| 2023 | Opened Edmond | 1 | 0 | +1 | 12 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 26% | 27% | |
| 1-4 family residential | 23% | 25% | |
| Business (C&I) | 16% | 14% | |
| Construction and land | 13% | 9% | |
| Agricultural | 6% | 8% | |
| Farmland | 5% | 8% | |
| Consumer | 4% | 4% | |
| Multifamily | 2% | 2% | |
| Other | 4% | 3% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 49% | 43% | |
| Noninterest-bearing | 32% | 23% | |
| Time deposits | 19% | 34% |
Brokered deposits are 0.0% of deposits (peers 5.3%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.03% | 0.68% |
| Net charge-offs, annualized | -0.01% | 0.02% |
| Reserves to loans | 1.34% | 1.33% |
| Leverage ratio | 10.07% | 10.79% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Oklahoma
Largest competitors in Carter County, OK
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/first-national-bank-trust-ardmore-ok