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 First National Bank and Trust Company of Ardmore
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First National Bank and Trust Company of Ardmore
| RSSD ID 984258 | CERTIFICATE 4037 | ABA NUMBER 103100522 |
| 405 W Main St |
Quarter Ended : |
2026-06-30 |
| Ardmore, Oklahoma, 73401 |
Updated : |
2026-07-22 |
| www.1nb.bank |
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| Institution Profile |
| Year Opened : |
1889 |
Institution Type : |
Commercial bank |
| Entity Type : |
Federal |
Federal Regulator : |
OCC |
| Member Federal Reserve : |
Yes |
S-Corp : |
Yes |
| Fiduciary Powers : |
Yes |
Powers Exercised : |
Yes |
| Filing Type : |
051 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
12 |
Number of Employees : |
148 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 686,745 |
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Total Interest Income | 17,673 |
| Total Liabilities | 615,603 |
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Total NonInterest Income | 2,532 |
| Total Bank Equity Capital | 71,142 |
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Total Interest Expense | 4,562 |
| Total Deposits | 587,571 |
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Total NonInterest Expense | 9,953 |
| Net Loans & Leases | 411,949 |
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Net Income | 5,390 |
| Loan Loss Allowance | 5,596 |
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Net Charge Offs | (14) |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Community Bank Leverage Ratio | Yes |
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Total loans | 404,787 |
| Total assets for the leverage ratio | 699,981 |
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Loans secured by real estate: | 292,805 |
| Tier 1 Leverage Ratio | 10.07 |
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Commercial and industrial loans | 60,218 |
| Off Balance Sheet Exposures (%) | 1.65 |
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Loans to individuals - Credit Cards | 0 |
| Trading Assets and Liabilities (%) | 0 |
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Loans to individuals - Other | 16,089 |
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:· First National Bank and Trust Company of Ardmore
