Side-by-side · Q2 2026 data
The First National Bank and Trust Company of Miami vs Bank of Grand Lake
Bank
The First National Bank and Trust Company of Miami
Miami, Oklahoma · $100 million – $1 billion
Metric by metric
| Measure | The First National Bank and Trust Company of Miami | Bank of Grand Lake |
|---|---|---|
| TellerScore | 82 (stronger) | 65 |
| Capital cushion | 84 (stronger) | 51 |
| Loan quality | 80 (stronger) | 68 |
| Earnings | 100 (stronger) | 65 |
| Funding & liquidity | 52 | 70 (stronger) |
| Problem-loan coverage | 94 (stronger) | 88 |
| Peer percentile | 82nd | 29th |
| Total assets | $191.4M | $249.1M |
| Deposits / shares | $162.6M | $218.8M |
| Capital ratio | 13.42% (stronger) | 10.12% |
| Problem loans | 0.60% (stronger) | 0.96% |
| Net charge-offs | 0.00% | 0.00% (stronger) |
| Return on assets | 1.99% (stronger) | 1.12% |
| Loans ÷ deposits | 82.4% | 71.1% (stronger) |
| Uninsured deposits | 38.6% | 31.9% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The First National Bank and Trust Company of Miami has the higher TellerScore (82 vs 65). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank and Trust Company of Miami leads on 4 and Bank of Grand Lake on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.