First National Bank and Trust Company of Ardmore

First National Bank and Trust Company of Ardmore is a community bank headquartered in Ardmore, OK, with roots going back to 1889. It primarily serves Southern Oklahoma businesses and individuals through a conventional full-service banking model. For small-business borrowers, the bank offers lines of credit, term loans, commercial real estate financing, construction finance, and equipment finance. As a long-established community institution, it appears well suited for local businesses seeking a relationship-based lender rather than a fast-turnaround online option. The bank received a Best Mortgage Lender recognition at the 2022 Ardmore Business of the Year Awards, suggesting positive standing in its local market. Specific rate ranges, approval criteria, and minimum qualifications are not publicly disclosed, so prospective borrowers should contact the bank directly to discuss eligibility and product terms.