Side-by-side · Q2 2026 data
First National Bank and Trust Company of Ardmore vs Arbuckle 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 | Arbuckle Federal Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 60 |
| Capital cushion | 51 (stronger) | 34 |
| Loan quality | 99 (stronger) | 87 |
| Earnings | 83 (stronger) | 36 |
| Funding & liquidity | 81 (stronger) | 76 |
| Problem-loan coverage | 100 (stronger) | 94 |
| Peer percentile | 75th | 22nd |
| Total assets | $686.7M | $10.3M |
| Deposits / shares | $587.6M | $8.9M |
| Capital ratio | 10.07% (stronger) | 8.37% |
| Problem loans | 0.03% (stronger) | 0.38% |
| Net charge-offs | -0.01% (stronger) | 0.63% |
| Return on assets | 1.56% (stronger) | 0.40% |
| Loans ÷ deposits | 70.1% (stronger) | 83.9% |
| Uninsured deposits | 23.2% | 0.0% (stronger) |
| Offices | 11 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.7% | — |
First National Bank and Trust Company of Ardmore has the higher TellerScore (79 vs 60). 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 Arbuckle Federal Credit Union on 1. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.