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The First National Bank And Trust Company Of Miami
Miami, OK · FDIC Certificate #4148 · Chartered 01/0
Total assets
$191.42M
Total deposits
$162.58M
Total equity
$27.36M
Net loans
$134.03M
Branches (offices)
3
Net income (YTD)
$2.01M
Rank: #3,034 of 4,213 U.S. banks by assets · #103 of 168 in Oklahoma. Assets changed -7.5% and deposits -9.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.99% |
| Return on equity | 14.96% |
| Net interest margin (YTD) | 5.49% |
| Equity to assets | 14.30% |
| Tier 1 leverage ratio | 13.42% |
| Uninsured deposits (share of deposits) | 38.6% |
| Noncurrent loans (share of loans) | 0.60% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 82.4% |
| Real estate loans (share of loans) | 70.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $93.93M | 70.1% | |
| Commercial & industrial | $5.75M | 4.3% | |
| Consumer / individual | $3.75M | 2.8% | |
| Construction & development | $6.77M | 5.1% | |
| Agricultural | $30.21M | 22.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $227.45M | $210.66M | $321.00K | $15.87M |
| Jun 2023 | $216.87M | $196.47M | $1.96M | $18.86M |
| Jun 2024 | $209.66M | $185.99M | $2.85M | $22.11M |
| Jun 2025 | $206.96M | $179.02M | $2.38M | $25.98M |
| Jun 2026 | $191.42M | $162.58M | $2.01M | $27.36M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Oklahoma | $162.58M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $162.58M.
Similar-sized banks
Garden Plain State Bank ($191.47M) · Cbl State Savings Bank ($191.28M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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