First Nb&T Co Of Ardmore (FDIC #4037): Bank Stress & Real-Estate Credit Exposure
First Nb&T Co Of Ardmore (FDIC Cert #4037): bank stress 58/100, moderate, STABLE over 7 days; parent FIRST NATL CORP OF ARDMORE INC.
First Nb&T Co Of Ardmore (#4037) lends in 8 counties across 1 state; First Nb&T Co Of Ardmore (#4037) reaches 109 ZIP codes: Oklahoma 8 counties, 109 ZIPs.
First Nb&T Co Of Ardmore (#4037) largest markets: Oklahoma County, OK (55 branches, 55 ZIPs) (#4037), Cleveland County, OK (23 branches, 23 ZIPs) (#4037), Carter County, OK (80 branches, 16 ZIPs) (#4037), Stephens County, OK (10 branches, 10 ZIPs) (#4037), Love County, OK (8 branches, 8 ZIPs) (#4037), Jefferson County, OK (8 branches, 8 ZIPs) (#4037).
First Nb&T Co Of Ardmore (#4037) reports $686.7 million in total assets; First Nb&T Co Of Ardmore (#4037) equity $71.1 million (10.4% of First Nb&T Co Of Ardmore (#4037) assets); First Nb&T Co Of Ardmore (#4037) domestic deposits $587.6 million; First Nb&T Co Of Ardmore (#4037) net income $5.4 million; First Nb&T Co Of Ardmore (#4037) return on assets 1.56%; First Nb&T Co Of Ardmore (#4037) return on equity 15.40%; First Nb&T Co Of Ardmore (#4037) net interest income $13.1 million; First Nb&T Co Of Ardmore (#4037) call report June 30, 2026.
First Nb&T Co Of Ardmore (#4037) noncurrent real-estate loans: none reported; First Nb&T Co Of Ardmore (#4037) net charge-offs on real estate 0.04%.
First Nb&T Co Of Ardmore (#4037) net interest margin 4.15% against an eight-quarter First Nb&T Co Of Ardmore (#4037) average of 3.79% (First Nb&T Co Of Ardmore (#4037) compression -0.36 points); First Nb&T Co Of Ardmore (#4037) rate-exposure score 40/100, First Nb&T Co Of Ardmore (#4037) fixed-rate trap 40/100; First Nb&T Co Of Ardmore (#4037) risk type credit driven; First Nb&T Co Of Ardmore (#4037) rate regime rates elevated, First Nb&T Co Of Ardmore (#4037) snapshot October 19, 2026.
First Nb&T Co Of Ardmore (#4037) stress score moved from 59.3 on June 22, 2026 to 58 on October 19, 2026; First Nb&T Co Of Ardmore (#4037) ranged 58 to 59.3 over 116 snapshots.
First Nb&T Co Of Ardmore (#4037) alerts: 8 counties; top First Nb&T Co Of Ardmore (#4037) alert scores: Edmond County, OK 20 (low); Lone Grove County, OK 20 (low); Madill County, OK 20 (low); Marietta County, OK 20 (low); Norman County, OK 20 (low).