🏦Bank Scorer

FIRST NATIONAL BANK AND TRUST COMPANY OF ARDMORE

ARDMORE, OK · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1889FDIC #4,037
Satisfactory Same

Current rating · Exam: May 2022

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.51%

Institution Profile

FDIC BankFind

Address

405 W Main St, ARDMORE, OK

County

Carter County

Established

January 1, 1889

Total Assets

$708M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

May 31, 2022

Exam Type

Intermediate Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Overdue(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$708M

Total Deposits

$600M

Net Loans

$418M

Net Income

$3M

ROA

1.51%

ROE

15.03%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate4.67%Peer avg: 7.63%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

12

Branch Deposits

$552M

1-Year Change

0

5-year net change: +1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202415080.67%4.67%
202312985.27%2.33%
202217484.48%5.75%
202117682.95%4.55%
201915476.62%10.39%
201816172.05%11.80%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

9 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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