Side-by-side · Q2 2026 data
First National Bank and Trust Company of Ardmore vs 4u Federal Credit Union
Bank
First National Bank and Trust Company of Ardmore
Ardmore, Oklahoma · $100 million – $1 billion
Metric by metric
| Measure | First National Bank and Trust Company of Ardmore | 4u Federal Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 63 |
| Capital cushion | 51 (stronger) | 39 |
| Loan quality | 99 | 99 |
| Earnings | 83 (stronger) | 29 |
| Funding & liquidity | 81 (stronger) | 74 |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 75th | 29th |
| Total assets | $686.7M | $156.2M |
| Deposits / shares | $587.6M | $140.6M |
| Capital ratio | 10.07% (stronger) | 8.91% |
| Problem loans | 0.03% (stronger) | 0.04% |
| Net charge-offs | -0.01% (stronger) | 0.04% |
| Return on assets | 1.56% (stronger) | 0.23% |
| Loans ÷ deposits | 70.1% (stronger) | 86.5% |
| Uninsured deposits | 23.2% | 12.0% (stronger) |
| Offices | 11 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.7% | 0.0% |
First National Bank and Trust Company of Ardmore has the higher TellerScore (79 vs 63). On the 7 directional measures above (where higher or lower is clearly better), First National Bank and Trust Company of Ardmore leads on 6 and 4u Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.