Side-by-side · Q2 2026 data
First National Bank and Trust Company of Ardmore vs Legacy Bank
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 | Legacy Bank |
|---|---|---|
| TellerScore | 79 (stronger) | 36 |
| Capital cushion | 51 (stronger) | 35 |
| Loan quality | 99 (stronger) | 0 |
| Earnings | 83 (stronger) | 29 |
| Funding & liquidity | 81 | 94 (stronger) |
| Problem-loan coverage | 100 (stronger) | 58 |
| Peer percentile | 75th | 1st |
| Total assets | $686.7M | $686.5M |
| Deposits / shares | $587.6M | $624.8M |
| Capital ratio | 10.07% (stronger) | 8.53% |
| Problem loans | 0.03% (stronger) | 3.22% |
| Net charge-offs | -0.01% | -0.09% (stronger) |
| Return on assets | 1.56% (stronger) | 0.22% |
| Loans ÷ deposits | 70.1% | 66.3% (stronger) |
| Uninsured deposits | 23.2% | 14.9% (stronger) |
| Offices | 11 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.7% | 13.0% |
First National Bank and Trust Company of Ardmore has the higher TellerScore (79 vs 36). On the 7 directional measures above (where higher or lower is clearly better), First National Bank and Trust Company of Ardmore leads on 4 and Legacy Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.