First National Bank and Trust Company of Ardmore

Headquarters

405 West Main Street
Ardmore, OK 73401
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.15% 0.66% →
1-Year CD 0.40% 0.67% →
2-Year CD 0.45% 0.75% →
5-Year CD 0.60% 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

First National Bank and Trust Company of Ardmore is an FDIC insured institution located in Ardmore, OK. It was founded in 1889 and has approximately $0.58 billion in assets. Customers can open an account at one of its 10 branches.

FDIC Insured Yes
FDIC Certificate # 4037
Date Established 1889
Assets $ 577.10 million
Loans $ 358.71 million
Deposits $ 483.11 million
Capital $ 53.86 million
 

For a more detailed analysis of First National Bank and Trust Company of Ardmore's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - April 16, 2021

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Savings
0.15% $2,500 $4,999 Learn More
Money Market
0.10% $2,500 $2,999 Learn More
Money Market
0.10% $10,000 $14,999 Learn More
Money Market
0.10% $25,000 $29,999 Learn More
CD Rates APY MIN MAX
6 Mo CD
0.30% $10,000 $14,999 Learn More
6 Mo CD
0.35% $100,000 $199,999 Learn More
12 Mo CD
0.35% $10,000 $14,999 Learn More
12 Mo CD
0.40% $100,000 $199,999 Learn More
18 Mo CD
0.35% $10,000 $14,999 Learn More
18 Mo CD
0.40% $100,000 $199,999 Learn More
24 Mo CD
0.40% $10,000 $14,999 Learn More
24 Mo CD
0.45% $100,000 $199,999 Learn More
30 Mo CD
0.40% $10,000 $14,999 Learn More
30 Mo CD
0.40% $100,000 $199,999 Learn More
36 Mo CD
0.45% $10,000 $14,999 Learn More
36 Mo CD
0.60% $100,000 $199,999 Learn More
48 Mo CD
0.50% $10,000 $14,999 Learn More
48 Mo CD
0.55% $100,000 $199,999 Learn More
60 Mo CD
0.55% $10,000 $14,999 Learn More
60 Mo CD
0.60% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.10% $2,500 $3,499 Learn MoreShow Less
 

Loan Rates - April 16, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for First National Bank and Trust Company of Ardmore

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Morty, Inc.
NMLS ID: 1429243
2.678% 2.625% 0.25 $1,720 $1,005 Learn More
Test Advertiser QA
NMLS ID:
2.422% 2.375% 0.63 $1,562 $972 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Test Advertiser QA
Test Advertiser QA
See Table
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
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Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info

Note to First National Bank and Trust Company of Ardmore
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Branches

First National Bank and Trust Company of Ardmore branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


First National Bank and Trust Company of Ardmore Locations


Financial Details

First National Bank and Trust Company of Ardmore Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of First National Bank and Trust Company of Ardmore. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
First National Bank and Trust Company of Ardmore U.S. Bank Average
12.08% 5.49%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2020, First National Bank and Trust Company of Ardmore had $7,172,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $53,862,000 in equity and $5,527,000 in loans loss reserves. That gives it a Texas Ratio of 12.08%.

Return on Equity
First National Bank and Trust Company of Ardmore U.S. Bank Average
10.44% 9.24%

First National Bank and Trust Company of Ardmore has a Return on Equity of 10.44% versus the BestCashCow average of 9.24%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
First National Bank and Trust Company of Ardmore U.S. Bank Average
9.33% 11.96%

First National Bank and Trust Company of Ardmore has a Capitalization of 9.33% versus the BestCashCow average of 11.96. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

First National Bank and Trust Company of Ardmore Balance Sheet Analysis

As of December 31, 2020, First National Bank and Trust Company of Ardmore had assets of $577,104,000, loans of $358,705,000, and deposits of $483,105,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2020
ASSETS
Cash & Balances due from depository institutions $ 16.67 million
Interest-bearing balances $ 8.01 million
Total securities $ 165.72 million
Federal funds sold and reverse repurchase $ 2.93 million
Net loans and leases $ 358.71 million
Loan loss allowance $ 5.53 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 4.61 million
All other assets $ 17.31 million
     Total Assets $ 523.24 million
LIABILITIES
Total deposits $ 483.11 million
      Interest-bearing deposits $ 322.17 million
      Deposits held in domestic offices $ 483.11 million
      % insured (estimated) 71.10%
Federal funds purchased and repurchase agreements $ 32.07 million
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 8.07 million
      Total Liabilities $ 523.24 million
      Shareholders’ Equity $ 53.86 million

Summary Income Statement

December 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 21.23 million
Total Interest Expense $ 2.13 million
Net interest income $ 19.09 million
Provision for loan and lease losses $ 0.88 million
Total non interest income $ 4.34 million
Total non interest expense $ 16.81 million
Pre-tax Net Operating Income $ 5.74 million

Bank Loan Profile?

The top three loan types in First National Bank and Trust Company of Ardmore’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and 1-4 Family Residential Loans.

Compared to other banks, First National Bank and Trust Company of Ardmore’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 13.34
Multifamily
Mortgages
0.64
Credit Card Loans 0.00
Consumer Auto Loans 3.21
Small Business Loans 10.21
Construction and Development Loans 11.52
Commercial Real Estate 23.65
Commercial and Industrial Loans 23.31
Farm Loans 6.16

Frequently Asked Questions About First National Bank And Trust Company Of Ardmore

Branches and Savings

Is First National Bank And Trust Company Of Ardmore FDIC insured?

Yes. It is covered under FDIC Certificate #4037.

Why does First National Bank And Trust Company Of Ardmore pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are First National Bank And Trust Company Of Ardmore CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is First National Bank And Trust Company Of Ardmore a commercial bank?

Yes

Where are First National Bank And Trust Company Of Ardmore locations?

See branch locations nearby.

Is First National Bank And Trust Company Of Ardmore open on Saturdays?

Is First National Bank And Trust Company Of Ardmore open on Sundays?

What time does First National Bank And Trust Company Of Ardmore open?

What time does First National Bank And Trust Company Of Ardmore close?

Are First National Bank And Trust Company Of Ardmore ATMs Open 24/7?

Do First National Bank And Trust Company Of Ardmore ATMs accept cash deposits?

Can First National Bank And Trust Company Of Ardmore customers use other ATMs?

Do First National Bank And Trust Company Of Ardmore branches have notaries?

Will First National Bank And Trust Company Of Ardmore notarize my document?

What address for First National Bank And Trust Company Of Ardmore should I put for incoming ACH transfers?

Will the First National Bank And Trust Company Of Ardmore branch print checks?

Do First National Bank And Trust Company Of Ardmore checks expire?

Does First National Bank And Trust Company Of Ardmore require US citizenship to open account?

Can First National Bank And Trust Company Of Ardmore close my account?

Does First National Bank And Trust Company Of Ardmore Report to credit bureaus?

Does First National Bank And Trust Company Of Ardmore Use Equifax?

What is First National Bank And Trust Company Of Ardmore's ACH Routing Number?

What is First National Bank And Trust Company Of Ardmore's SWIFT code?

Products

Does First National Bank And Trust Company Of Ardmore offer mortgages?

Compare mortgage rates here.

Does First National Bank And Trust Company Of Ardmore offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does First National Bank And Trust Company Of Ardmore offer personal loans?

Compare personal loan rates here.

Does First National Bank And Trust Company Of Ardmore offer student loans?

Will First National Bank And Trust Company Of Ardmore cash a check?

Will First National Bank And Trust Company Of Ardmore redeem a savings bond?

Does First National Bank And Trust Company Of Ardmore cash savings bonds?

Will First National Bank And Trust Company Of Ardmore cash money orders?

Can First National Bank And Trust Company Of Ardmore issue a money order?

Does First National Bank And Trust Company Of Ardmore do currency exchange?

Background on The Bank

Who owns First National Bank And Trust Company Of Ardmore?

How long has First National Bank And Trust Company Of Ardmore been around?

Can First National Bank And Trust Company Of Ardmore transfer to other banks?

Does First National Bank And Trust Company Of Ardmore have quick pay?

Does First National Bank And Trust Company Of Ardmore accept rolled coins?

Will First National Bank And Trust Company Of Ardmore accept loose change?

Where is First National Bank And Trust Company Of Ardmore headquarters?

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