Bank · FDIC insured
1NB
A $686.7M bank headquartered in Ardmore, OK, with 12 branches in Oklahoma. Best rates: CDs 3.19% and savings 2.07% APY.
1NB Carrot Score
75
Carrot Score
Higher than 38% of U.S. banks and credit unions
#4 of 5 in Ardmore, OK metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About 1NB
- Headquarters
- 405 W Main St, Ardmore, OK 73401
- FDIC certificate
- 4037 ↗
Branches
12 branches in Oklahoma
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Oklahoma
12 branches
Ardmore area · 5
- First National Bank and Trust Company of ArdmoreMain office405 W Main St, Ardmore, OK 73401Directions
- 12th Street Branch1402 12th Ave Nw, Ardmore, OK 73401Directions
- Ardmore Branch1226 W Broadway St, Ardmore, OK 73401Directions
- Drive-In Branch115 D St Nw, Ardmore, OK 73401Directions
- Lone Grove BranchHighway 70 And Newport Road, Lone Grove, OK 73443Directions
Oklahoma City area · 2
- Edmond Branch1763 W 33rd St, Edmond, OK 73013Directions
- 1nb Financial Center Branch716 Wall St, Norman, OK 73069Directions
Madill area · 1
- Madill Branch401 S 1st St, Madill, OK 73446Directions
Marietta area · 1
- Highway 32 West Branch1101 Memorial Dr, Marietta, OK 73448Directions
Ringling area · 1
- 125 West Main Street Branch125 West Main Street, Ringling, OK 73456Directions
Sulphur area · 1
- Sulphur Branch2013 W Broadway Ave, Sulphur, OK 73086Directions
Duncan area · 1
- Velma BranchFourth And Main Streets, Velma, OK 73491Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.07% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.03% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.56% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $71 | $81 | — |
- CapitalLeverage ratio10.07%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.03%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.56%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$71Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of 1NB are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.