Side-by-side · Q2 2026 data
The First National Bank and Trust Company of Miami vs Bank of Hydro
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 Hydro |
|---|---|---|
| TellerScore | 82 (stronger) | 76 |
| Capital cushion | 84 (stronger) | 66 |
| Loan quality | 80 (stronger) | 79 |
| Earnings | 100 | 100 |
| Funding & liquidity | 52 | 52 |
| Problem-loan coverage | 94 (stronger) | 90 |
| Peer percentile | 82nd | 64th |
| Total assets | $191.4M | $180.8M |
| Deposits / shares | $162.6M | $156.9M |
| Capital ratio | 13.42% (stronger) | 11.56% |
| Problem loans | 0.60% (stronger) | 0.64% |
| Net charge-offs | 0.00% | -0.05% (stronger) |
| Return on assets | 1.99% | 2.70% (stronger) |
| Loans ÷ deposits | 82.4% (stronger) | 102.0% |
| Uninsured deposits | 38.6% | 20.8% (stronger) |
| Offices | 3 | 4 |
| 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 76). 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 Hydro on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.