TellerScore

The First National Bank and Trust Company of Miami is a national bank headquartered in Miami, Oklahoma, in business for about 126 years. At the end of Q2 2026 it reported $191.4M in total assets and $162.6M in deposits, with 3 offices.

The First National Bank and Trust Company of Miami has a TellerScore of 82 out of 100 (strong) based on Q2 2026 data — higher than 82% of its 2,650 banks with $100 million – $1 billion. Among 170 banks headquartered in Oklahoma, it ranks 33rd. Earnings contributes the most (100/100, 1.99%); funding & liquidity contributes the least (52/100, 82% loans-to-deposits, 39% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion84/100
Tier 1 leverage ratio: 13.42%
Loan quality80/100
Noncurrent loans ÷ total loans: 0.60%
Earnings100/100
Return on assets (annualized): 1.99%
Funding & liquidity52/100
Loans ÷ deposits and uninsured-deposit share: 82.4% · 38.6% uninsured
Problem-loan coverage94/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.81%

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.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 4 points (86 → 82), mostly because the loan quality component weakened by 19 points.

TellerScore
707886Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202482
Q3 202477
Q4 202483
Q1 202586
Q2 202586
Q3 202585
Q4 202570
Q1 202678
Q2 202682
Tier 1 leverage ratio
5.00%9.21%13.42%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.83%
Q3 202411.68%
Q4 202412.13%
Q1 202512.40%
Q2 202512.77%
Q3 202512.77%
Q4 202512.40%
Q1 202612.59%
Q2 202613.42%
Noncurrent loans
0.00%0.45%0.90%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.90%
Q4 20240.25%
Q1 20250.02%
Q2 20250.04%
Q3 20250.24%
Q4 20250.79%
Q1 20260.83%
Q2 20260.60%
Return on assets
1.03%1.87%2.70%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.66%
Q3 20242.70%
Q4 20242.63%
Q1 20252.42%
Q2 20252.31%
Q3 20252.19%
Q4 20251.03%
Q1 20262.07%
Q2 20261.99%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202682$191.4M13.42%0.60%1.99%82.4%
Q1 202678$206.4M12.59%0.83%2.07%77.0%
Q4 202570$207.1M12.40%0.79%1.03%71.9%
Q3 202585$211.8M12.77%0.24%2.19%65.8%
Q2 202586$207.0M12.77%0.04%2.31%68.7%
Q1 202586$207.4M12.40%0.02%2.42%64.2%
Q4 202483$202.0M12.13%0.25%2.63%63.7%
Q3 202477$202.1M11.68%0.90%2.70%57.6%
Q2 202482$209.7M10.83%0.00%2.66%57.8%

2,650 peers · $100 million – $1 billion

How it compares with peers

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

Capital ratio13.42%
78th
Total risk-based capital0.00%
24th
Problem loans0.60%
41st
Net charge-offs0.00%
57th
Return on assets1.99%
87th
Net interest margin5.49%
97th
Efficiency ratio50.4%
82nd
Loans to deposits82.4%
44th
Uninsured deposits38.6%
12th
Loan-loss reserves1.26%
57th
Texas ratio2.8%
49th

Similar-size banks in Oklahoma

InstitutionScoreAssetsCapitalProblem loansCompare
The Bank of the WestBank Thomas, OK62 out of 100, Moderate$192.4M10.5%2.22%vs
First Enterprise BankBank Oklahoma City, OK28 out of 100, Low$189.7M10.8%6.33%vs
The Farmers State BankBank Quinton, OK70 out of 100, Strong$193.9M9.3%0.79%vs
The Bank of Beaver CityBank Beaver, OK60 out of 100, Moderate$188.6M8.7%1.34%vs
The Seiling State BankBank Seiling, OK79 out of 100, Strong$195.0M10.5%0.00%vs
Oklahoma Capital BankBank Tulsa, OK69 out of 100, Moderate$196.3M10.4%0.30%vs

Deposit insurance

Is my money safe at The First National Bank and Trust Company of Miami?

Yes. The First National Bank and Trust Company of Miami is an FDIC-insured institution (FDIC certificate #4148). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 38.6% of deposits ($62.7M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 13.42%, 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

3 locations

Branches

The First National Bank and Trust Company of Miami lists 3 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
The First National Bank and Trust Company of Miami
Former names
The First National Bank of Miami
Type
National bank
FDIC certificate #
4148
RSSD ID
837158
Primary regulator
OCC
Holding company
First Miami Bancshares Inc
Established
January 1, 1900
Headquarters
2 N Main St, Miami, OK 74354
Employees
36

Quick answers

The First National Bank and Trust Company of Miami: common questions

Is The First National Bank and Trust Company of Miami FDIC insured?

Yes. The First National Bank and Trust Company of Miami is an FDIC-insured institution (FDIC certificate #4148). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The First National Bank and Trust Company of Miami's TellerScore?

82 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has The First National Bank and Trust Company of Miami ever failed?

There is no failure record for FDIC certificate #4148 in the FDIC failed bank list.

How many branches does The First National Bank and Trust Company of Miami have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Miami

InstitutionScoreAssetsCapitalProblem loansCompare
Joplin Metro Credit UnionCredit union Joplin, MO89 out of 100, Very strong$57.8M17.7%0.78%vs
International Bank of CommerceBank Oklahoma City, OK88 out of 100, Very strong$1.6B15.5%0.66%vs
The Baxter State BankBank Baxter Springs, KS84 out of 100, Strong$25.2M19.7%1.11%vs
Exchange State BankBank Saint Paul, KS84 out of 100, Strong$105.0M11.6%0.00%vs
The City National Bank and Trust Company of Lawton, OklahomaBank Lawton, OK83 out of 100, Strong$446.2M13.9%0.45%vs
Grand Savings BankBank Grove, OK80 out of 100, Strong$1.0B12.0%0.63%vs