The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score rose 8 points (71 → 79), mostly because the earnings component improved by 12 points.

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in Oklahoma

Yes. First National Bank and Trust Company of Ardmore is an FDIC-insured institution (FDIC certificate #4037). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 23.2% of deposits ($136.3M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.07%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

First National Bank and Trust Company of Ardmore lists 11 offices in 9 cities. Most locations:

• Ardmore, OK (3)
• Edmond, OK (1)
• Lone Grove, OK (1)
• Madill, OK (1)
• Marietta, OK (1)
• Norman, OK (1)
• Ringling, OK (1)
• Sulphur, OK (1)
• Velma, OK (1)

All branch addresses and map

In 2025, First National Bank and Trust Company of Ardmore reported 168 home-loan applications under HMDA (LEI 54930080KJR5G1HZVI89): 136 originated ($29,740,000 total), 10 denied, and 18 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.7%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

First National Bank and Trust Company of Ardmore

Former names

First National Bank at Ardmore

Type

National bank

FDIC certificate #

4037

RSSD ID

984258

Primary regulator

OCC

Holding company

First Natl Corp of Ardmore Inc

Established

January 1, 1889

Headquarters

405 W Main St, Ardmore, OK 73401

Website

www.1nb.bank

Employees

148