Citizens Bank and Trust Company of Ardmore
Ardmore, OK
IDRSSD: 255556
Total Assets
$320.26M
Latest filing
Total Deposits
$272.82M
Latest filing
Net Interest Margin
3.61%
Profitability
Key People
Loading leadership data...
Locations
Main office and branches. Select to view on the map.
Main Office
Citizens Bank and Trust Company of Ardmore
1100 N Commerce St
Ardmore, OK 73401
Full Service - Brick and Mortar
Updated 01/30/2026Established 09/18/1978FDIC Certificate 15858
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Citizens Bank and Trust Company of Ardmore (Main) | 1100 N Commerce St | Ardmore, OK |
| DICKSON BRANCH | Highway 199 And Us 177 | Ardmore, OK |
| DOWNTOWN BRANCH | 10 W Main St | Ardmore, OK |
| WAL MART BRANCH | 1715 N Commerce St | Ardmore, OK |
Showing 3 of 3
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
First National Bank and Trust Company of Ardmore
Ardmore, Oklahoma
→
Assets: $668.48MΔ +110.2%
American Nation Bank
Ardmore, Oklahoma
→
Assets: $682.26MΔ +114.5%
Sooner State Bank
Tuttle, Oklahoma
→
Assets: $326.45MΔ +2.6%
Citizens Bank of Ada
Ada, Oklahoma
→
Assets: $328.49MΔ +3.3%
First Bethany Bank & Trust
Bethany, Oklahoma
→
Assets: $304.75MΔ -4.2%
Frazer Bank
Altus, Oklahoma
→
Assets: $331.90MΔ +4.3%
Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 09/18/1978 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 73401 |
| State and County Number | 40019 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 10 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Ardmore, OK |
Operational Info
| Number of Employees | 46 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 09/18/1978 |
| Primary Insurance Agency | DIF |
| Website | www.citizensbt.com |
| Data Updated | 01/30/2026 |
| CERT | 22717 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $320.26M |
| Total Deposits | $272.82M |
| Total Liabilities | $291.66M |
| Total Equity Capital | $28.61M |
| Net Income | $1.31M |
| Net Loans and Leases | $201.62M |
| Assets Per Employee ($Millions) | $7.63M |
| Bank Premises and Fixed Assets | $1.38M |
| Cash and Balances due from Depository Institutions | $16.15M |
| Deposits Held in Domestic Offices | $272.82M |
Key Performance Ratios
| Return on Assets (ROA) | 1.64% |
| Return on Equity (ROE) | 18.07% |
| Net Interest Margin | 3.61% |
| Efficiency Ratio | 59.5% |
| Tier 1 Risk-Based Capital Ratio | 16.081% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.03% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.932% |
| Earning Assets to total Assets | 95.47% |
Income and Expense
| Total Interest Income | $3.86M |
| Total Noninterest Income | $545.00k |
| Total Interest Expense | $1.12M |
| Total Noninterest Expense | $1.96M |
| Net Interest Income | $2.74M |
| Pre-tax Net Operating Income | $1.31M |
| Provision for Credit Losses | $25.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $7.15M |
| Federal Funds Sold & Reverse Repurchase Agreement | $2.35M |
| Federal Funds Purchased and Repurchased Agreement | $6.51M |
| All Other Liabilities | $5.17M |
| Total Liabilities and Capital | $320.26M |
Securities
| Securities | $88.85M |
| Available-for-sale debt securities | $57.96M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $30.89M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Citizens Bank and Trust Company of Ardmore?
$320.26M as of the latest filing.
How much are Citizens Bank and Trust Company of Ardmore's total deposits?
$272.82M in total deposits.
Where is Citizens Bank and Trust Company of Ardmore located?
Ardmore, OK.
What is the Net Interest Margin?
3.61%.
How many domestic offices does it operate?
4.
When was it established?
09/18/1978.
What is the Return on Assets (ROA)?
1.64%.
How much are total loans and leases?
$201.62M (latest filing).
What is the total interest income (latest filing)?
$3.86M.