🏦Bank Scorer

THE FIRST NATIONAL BANK AND TRUST COMPANY OF MIAMI

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

Est. 1900FDIC #4,148
Satisfactory Same

Current rating · Exam: November 2022

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 2.07%

Institution Profile

FDIC BankFind

Address

2 N Main St, MIAMI, OK

County

Ottawa County

Established

January 1, 1900

Total Assets

$206M(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

November 21, 2022

Exam Type

Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Nov 2027(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$206M

Total Deposits

$178M

Net Loans

$137M

Net Income

$1M

ROA

2.07%

ROE

16.12%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Branch Footprint

FDIC SOD 2025

Total Branches

3

Branch Deposits

$179M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

7 previous ratings locked — dating back to 1993

Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.

orGet Business plan for unlimited access

One-time payment · No subscription required

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/b8cf598b-fbd9-4c52-9631-08a343457068"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: