Side-by-side · Q2 2026 data
First Summit Bank vs First National Bank and Trust Company of Ardmore
Bank
First National Bank and Trust Company of Ardmore
Ardmore, Oklahoma · $100 million – $1 billion
Metric by metric
| Measure | First Summit Bank | First National Bank and Trust Company of Ardmore |
|---|---|---|
| TellerScore | 55 | 79 (stronger) |
| Capital cushion | 87 (stronger) | 51 |
| Loan quality | 0 | 99 (stronger) |
| Earnings | 47 | 83 (stronger) |
| Funding & liquidity | 99 (stronger) | 81 |
| Problem-loan coverage | 49 | 100 (stronger) |
| Peer percentile | 14th | 75th |
| Total assets | $33.8M | $686.7M |
| Deposits / shares | $29.0M | $587.6M |
| Capital ratio | 13.68% (stronger) | 10.07% |
| Problem loans | 7.11% | 0.03% (stronger) |
| Net charge-offs | 0.00% | -0.01% (stronger) |
| Return on assets | 0.68% | 1.56% (stronger) |
| Loans ÷ deposits | 61.3% (stronger) | 70.1% |
| Uninsured deposits | 11.8% (stronger) | 23.2% |
| Offices | 2 | 11 |
| 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 55). On the 7 directional measures above (where higher or lower is clearly better), First Summit Bank leads on 3 and First National Bank and Trust Company of Ardmore on 4. 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.