Side-by-side · Q2 2026 data
Peoples Bank and Trust Company 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 | Peoples Bank and Trust Company | First National Bank and Trust Company of Ardmore |
|---|---|---|
| TellerScore | 39 | 79 (stronger) |
| Capital cushion | 94 (stronger) | 51 |
| Loan quality | 0 | 99 (stronger) |
| Earnings | 0 | 83 (stronger) |
| Funding & liquidity | 61 | 81 (stronger) |
| Problem-loan coverage | 12 | 100 (stronger) |
| Peer percentile | 3rd | 75th |
| Total assets | $61.9M | $686.7M |
| Deposits / shares | $49.2M | $587.6M |
| Capital ratio | 14.36% (stronger) | 10.07% |
| Problem loans | 10.85% | 0.03% (stronger) |
| Net charge-offs | -0.01% | -0.01% (stronger) |
| Return on assets | -1.32% | 1.56% (stronger) |
| Loans ÷ deposits | 86.7% | 70.1% (stronger) |
| Uninsured deposits | 26.3% | 23.2% (stronger) |
| Offices | 3 | 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 39). On the 7 directional measures above (where higher or lower is clearly better), Peoples Bank and Trust Company leads on 1 and First National Bank and Trust Company of Ardmore on 6. 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.