Side-by-side · Q2 2026 data
First National Bank and Trust Company of Ardmore vs Velma 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 | Velma Federal Credit Union |
|---|---|---|
| TellerScore | 79 | 79 |
| Capital cushion | 51 | 100 (stronger) |
| Loan quality | 99 (stronger) | 48 |
| Earnings | 83 | 100 (stronger) |
| Funding & liquidity | 81 (stronger) | 59 |
| Problem-loan coverage | 100 (stronger) | 81 |
| Peer percentile | 75th | 62nd |
| Total assets | $686.7M | $3.1M |
| Deposits / shares | $587.6M | $2.6M |
| Capital ratio | 10.07% | 15.16% (stronger) |
| Problem loans | 0.03% (stronger) | 1.55% |
| Net charge-offs | -0.01% (stronger) | 0.30% |
| Return on assets | 1.56% | 2.08% (stronger) |
| Loans ÷ deposits | 70.1% (stronger) | 100.9% |
| Uninsured deposits | 23.2% | 0.0% (stronger) |
| Offices | 11 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.7% | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), First National Bank and Trust Company of Ardmore leads on 3 and Velma Federal Credit Union on 3. 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.