Side-by-side · Q2 2026 data
First National Bank and Trust Company of Ardmore vs Muenster State 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 | Muenster State Bank |
|---|---|---|
| TellerScore | 79 | 98 (stronger) |
| Capital cushion | 51 | 98 (stronger) |
| Loan quality | 99 | 100 (stronger) |
| Earnings | 83 | 100 (stronger) |
| Funding & liquidity | 81 | 90 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 75th | 100th |
| Total assets | $686.7M | $227.0M |
| Deposits / shares | $587.6M | $192.3M |
| Capital ratio | 10.07% | 14.78% (stronger) |
| Problem loans | 0.03% | 0.00% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.00% |
| Return on assets | 1.56% | 2.36% (stronger) |
| Loans ÷ deposits | 70.1% | 42.5% (stronger) |
| Uninsured deposits | 23.2% (stronger) | 24.1% |
| Offices | 11 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.7% | — |
Muenster State Bank has the higher TellerScore (98 vs 79). On the 7 directional measures above (where higher or lower is clearly better), First National Bank and Trust Company of Ardmore leads on 2 and Muenster State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.