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Citizens Bank And Trust Company Of Ardmore
Ardmore, OK · FDIC Certificate #22717 · Chartered 09/1
Total assets
$318.81M
Total deposits
$268.89M
Total equity
$30.30M
Net loans
$209.89M
Branches (offices)
4
Net income (YTD)
$2.54M
Rank: #2,377 of 4,213 U.S. banks by assets · #78 of 168 in Oklahoma. Assets changed -0.9% and deposits -0.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.59% |
| Return on equity | 17.24% |
| Net interest margin (YTD) | 3.63% |
| Equity to assets | 9.51% |
| Tier 1 leverage ratio | 10.60% |
| Uninsured deposits (share of deposits) | 28.4% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 78.1% |
| Real estate loans (share of loans) | 88.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $186.33M | 88.8% | |
| Commercial & industrial | $14.03M | 6.7% | |
| Consumer / individual | $11.36M | 5.4% | |
| Construction & development | $20.11M | 9.6% | |
| Agricultural | $230.00K | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $303.30M | $260.19M | $1.27M | $14.45M |
| Jun 2023 | $309.67M | $245.65M | $1.53M | $17.03M |
| Jun 2024 | $318.95M | $265.45M | $1.75M | $20.27M |
| Jun 2025 | $321.79M | $271.44M | $2.48M | $26.95M |
| Jun 2026 | $318.81M | $268.89M | $2.54M | $30.30M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Oklahoma | $268.89M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $268.89M.
Similar-sized banks
1Nb Bank ($318.99M) · Guaranty Bank And Trust Company ($318.55M)
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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