| Bank Cert #4148

The First National Bank and Trust Company of Miami

Oklahoma JSON

Institution Profile

Address: 2 N Main St Miami, OK 74354
Website:

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FDIC Profile:

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Established:

1/1/1900

Branches:

3

Branches by Region
OK 3

Financial Overview

Total Assets
$207.11M
Total Deposits
$179.58M
Total Loans
$130.71M
Equity Capital
$26.36M
Employees
36
Allowance for Loan Losses
$1.58M

Performance Ratios

Net Worth Ratio
12.73%
Loan-to-Deposit Ratio
72.79%
Coverage Ratio
1.21% Allowance / Total Loans
Net Income
$2.14M
Return on Assets (ROA)
1.03%
Return on Equity (ROE)
8.28%

Assets, Loans & Deposits Over Time

Assets, Loans & Deposits Over Time

Total Assets: +55.88% Total Deposits: +52.09% Total Loans: +45.18% since 2020 Q1

Employee Growth

Employee Growth

Employees: -2.70% since 2020 Q1

Loan Portfolio Breakdown

Current outstanding balances by loan type

Farmland
$44.62M 34.5%
1-4 Family Residential
$27.80M 21.5%
Commercial Real Estate
$21.91M 16.9%
Agricultural
$18.35M 14.2%
Construction
$6.47M 5.0%
Commercial & Industrial
$5.20M 4.0%
Other Consumer
$2.44M 1.9%
Lease Financing
$1.24M 1.0%
Auto Loans
$1.21M 0.9%
Multifamily
$175,000 0.1%

Portfolio Distribution

Net Income Trend

Net Income Trend

Net Income: +514.37% since 2020 Q1

Historical Data Table

QuarterTotal AssetsTotal DepositsTotal LoansNet IncomeEmployees
2025 Q4 $207.11M $179.58M $130.71M $2.14M 36
2025 Q3 $211.85M $182.77M $121.75M $3.39M 35
2025 Q2 $206.96M $179.02M $124.51M $2.38M 37
2025 Q1 $207.40M $179.83M $116.94M $1.24M 37
2024 Q4 $202.03M $175.69M $113.37M $5.51M 37
2024 Q3 $202.09M $176.12M $102.80M $4.27M 35
2024 Q2 $209.66M $185.99M $108.67M $2.85M 37
2024 Q1 $217.40M $194.48M $104.23M $1.28M 36
2023 Q4 $214.56M $192.54M $99.90M $4.58M 37
2023 Q3 $220.36M $198.41M $92.20M $3.23M 37
2023 Q2 $216.87M $196.47M $96.00M $1.96M 37
2023 Q1 $212.34M $192.72M $93.11M $870,000 37
2022 Q4 $207.47M $189.34M $88.34M $1.60M 37
2022 Q3 $226.47M $209.43M $87.57M $779,000 37
2022 Q2 $227.45M $210.66M $90.38M $321,000 37
2022 Q1 $216.40M $200.46M $88.52M $84,000 37
2021 Q4 $238.59M $222.36M $88.31M $1.36M 37
2021 Q3 $235.03M $218.72M $87.13M $1.38M 37
2021 Q2 $242.14M $225.88M $91.30M $816,000 37
2021 Q1 $198.98M $183.97M $92.07M $214,000 38
2020 Q4 $165.90M $151.59M $85.03M $1.10M 36
2020 Q3 $167.62M $153.16M $89.26M $958,000 37
2020 Q2 $165.49M $150.31M $86.96M $652,000 37
2020 Q1 $132.86M $118.08M $90.03M $348,000 37