What is Citizens Bank and Trust Company of Ardmore's financial health grade?

Citizens Bank and Trust Company of Ardmore has a TFS Financial Health Grade of C+ (score: 79.5/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Citizens Bank and Trust Company of Ardmore have?

Citizens Bank and Trust Company of Ardmore has 4 branch locations across the United States.

Is Citizens Bank and Trust Company of Ardmore FDIC insured?

Yes, Citizens Bank and Trust Company of Ardmore is FDIC insured (Certificate #22717).

What are the total assets of Citizens Bank and Trust Company of Ardmore?

Citizens Bank and Trust Company of Ardmore has total assets of $320.3M as reported in its most recent FDIC filing.

Citizens Bank and Trust Company of Ardmore

BankArdmore, Oklahoma

www.citizensbt.com

Total Assets

$320.3M

Total Deposits

$272.8M

Branches

Established

1978

TFS Health Grade

C+

79.5 / 100

Average financial health

How we grade

Citizens Bank and Trust Company of Ardmore is a bank headquartered in Ardmore, Oklahoma, established in 1978. With $320.3M in total assets and 4 branch locations, it has a TFS Financial Health Grade of C+ (79.5/100).

Capital & Safety

Tier 1 Capital Ratio

10.19%(8%)

Total Capital Ratio

17.09%(10%)

Non-Performing Loan Ratio

0.00%

Profitability

Return on Assets (ROA)

1.59%(1%)

Return on Equity (ROE)

18.80%(10%)

Net Interest Margin

3.52%

Efficiency Ratio

60.32%(60%)

Lending & Liquidity

Total Loans

$203.7M

Loan-to-Deposit Ratio

73.90%

Net Charge-Off Ratio

-0.00%

Growth

Asset Growth (YoY)

+2.38%

Deposit Growth (YoY)

+1.31%

Net Income

$5.1M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Citizens Bank and Trust Company of ArdmoreHQ	1100 N Commerce St	Ardmore	OK	11
Citizens Bank and Trust Company of Ardmore	Highway 199 And Us 177	Ardmore	OK	11
Citizens Bank and Trust Company of Ardmore	10 W Main St	Ardmore	OK	11
Citizens Bank and Trust Company of Ardmore	1715 N Commerce St	Ardmore	OK	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.