BlastPoint's Banking Scorecard
First National Bank and Trust Company of Ardmore
Community
Specialty: Commercial
OK
FDIC cert 4037
Ardmore, OK
1484
banks in Community tier nationally
45 in OK
View Community leaderboard (OK) →
First National Bank and Trust Company of Ardmore faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 22% in Community
- - Capital Thin: Bottom 23% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$672.3M
+1.5% YoY
+0.6% QoQ
|
-$719.1M |
$1.4B
+2.0% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
24% |
| Total Loans ? |
$421.1M
+2.8% YoY
+3.8% QoQ
|
-$554.4M |
$975.5M
+2.4% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
18% |
| Total Deposits ? |
$560.5M
+5.5% YoY
-0.3% QoQ
|
-$604.1M |
$1.2B
+1.7% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
23% |
| Return on Assets ? |
1.44%
+64.8% YoY
+6.2% QoQ
|
+0.28% |
1.16%
+17.2% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
71% |
| Net Interest Margin ? |
3.96%
+17.7% YoY
+1.7% QoQ
|
+0.30% |
3.66%
+9.1% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
68% |
| Efficiency Ratio ? |
64.90%
-13.6% YoY
-3.0% QoQ
|
+2.27% |
62.63%
-5.3% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
41% |
| Delinquency Rate ? |
0.47%
+176.0% YoY
-23.5% QoQ
|
-0.16% |
0.63%
+18.3% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
48% |
| Loan-to-Deposit Ratio ? |
75.12%
-2.5% YoY
+4.1% QoQ
|
-7.94% |
83.06%
+0.3% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
71% |
| Non-Interest-Bearing Deposit Share ? |
33.40%
-7.3% YoY
+1.0% QoQ
|
+12.36% |
21.05%
-0.9% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
Top 11% in tier |
| Nonperforming Asset Ratio ? |
0.29%
+179.4% YoY
-21.0% QoQ
|
-0.20% |
0.50%
+20.3% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
55% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.78%
-0.7% YoY
+31.8% QoQ
|
+0.04% |
0.74%
-1.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
76% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Credit Risk Growth
risk
#142 of 642 · Bottom 22% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Capital Thin
risk
#99 of 432 · Bottom 23% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
89
89th pctile
Non-Interest-Bearing Deposit Share
Current: 33.40% · Tier avg: 21.05%
76
76th pctile
Non-Interest Income / Assets
Current: 0.78% · Tier avg: 0.74%
71
71th pctile
Loan-to-Deposit Ratio
Current: 75.12% · Tier avg: 83.06%
71
71th pctile
Return on Assets
Current: 1.44% · Tier avg: 1.16%
68
68th pctile
Net Interest Margin
Current: 3.96% · Tier avg: 3.66%
55
55th pctile
Nonperforming Asset Ratio
Current: 0.29% · Tier avg: 0.50%
48
48th pctile
Delinquency Rate
Current: 0.47% · Tier avg: 0.63%
41
41th pctile
Efficiency Ratio
Current: 64.90% · Tier avg: 62.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
24
24th pctile
Total Assets
Current: $672.3M · Tier avg: $1.4B
23
23th pctile
Total Deposits
Current: $560.5M · Tier avg: $1.2B
18
18th pctile
Total Loans
Current: $421.1M · Tier avg: $975.5M
Top Weaknesses
18
18th pctile
Total Loans
Current: $421.1M · Tier avg: $975.5M
23
23th pctile
Total Deposits
Current: $560.5M · Tier avg: $1.2B
24
24th pctile
Total Assets
Current: $672.3M · Tier avg: $1.4B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
41
41th pctile
Efficiency Ratio
Current: 64.90% · Tier avg: 62.63%
48
48th pctile
Delinquency Rate
Current: 0.47% · Tier avg: 0.63%
55
55th pctile
Nonperforming Asset Ratio
Current: 0.29% · Tier avg: 0.50%
68
68th pctile
Net Interest Margin
Current: 3.96% · Tier avg: 3.66%
71
71th pctile
Return on Assets
Current: 1.44% · Tier avg: 1.16%
71
71th pctile
Loan-to-Deposit Ratio
Current: 75.12% · Tier avg: 83.06%
76
76th pctile
Non-Interest Income / Assets
Current: 0.78% · Tier avg: 0.74%
89
89th pctile
Non-Interest-Bearing Deposit Share
Current: 33.40% · Tier avg: 21.05%