Citizens Bank & Trust Company of Ardmore: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Citizens Bank & Trust Company of Ardmore, based in Ardmore, Oklahoma, reported $319 million in assets at June 30, 2026. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 2.6%). It also lost 0.9% of its deposits over the year, lower than about three-quarters of banks its size (median 4.0%).
Loans and deposits moved in opposite directions: over the year loans rose 5.6% and deposits fell 0.9%. Paper losses on its bond portfolio are shrinking: unrealized losses of $6.5 million equal 19% of Tier 1 capital, down from 26% a year earlier.
As of June 30, 2026, Citizens Bank & Trust Company of Ardmore reported a CET1 capital ratio of 16.44%, a return on assets of 1.57%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 1100 N Commerce St, Ardmore, OK 73401
- County
- Carter
- Metro Area
- Ardmore, OK
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- September 18, 1978
- Former names
- Citizens Bank and Trust Company of Ardmore (1997); Citizens Bank of Ardmore (1991-1997)
- Offices
- 4 domestic
- Employees (FTE)
- 46
- Domestic deposits
- $268.9M
- Allowance for credit losses
- $2.1M
- Net charge-offs (YTD)
- $3K
- Average total assets
- $328.1M
- Average total loans
- $209.4M
- Average interest-bearing deposits
- $206.9M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 18, 1978
- FDIC Cert
- 22717
- Fed RSSD
- 255556
- Website
- www.bankcitizens.bank →
- Parent Holding Company
- CITIZENS COMMERCE CORPORATION (RSSD 1064139)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Citizens Bank & Trust Company of Ardmore terminal
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Unlock Citizens Bank & Trust Company of Ardmore, freeCitizens Bank & Trust Company of Ardmore rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.44% | 1.57% | 0.00% | 0.00% | 3.59% |
| Q1 2026 | 16.32% | 1.54% | 0.00% | 0.00% | 3.54% |
| Q4 2025 | 16.08% | 1.61% | 0.00% | 0.00% | 3.55% |
| Q3 2025 | 16.70% | 1.57% | 0.00% | 0.00% | 3.53% |
| Q2 2025 | 16.10% | 1.67% | 0.00% | 0.00% | 3.43% |
| Q1 2025 | 15.71% | 1.38% | 0.00% | 0.00% | 3.28% |
| Q4 2024 | 15.83% | 1.52% | 0.00% | 0.00% | 3.29% |
| Q3 2024 | 14.70% | 1.29% | 0.00% | 0.00% | 3.22% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 4 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Citizens Bank and Trust Company of Ardmore | Ardmore , OK | 73401 | $212.4M |
| Downtown Branch | Ardmore , OK | 73401 | $37.6M |
| Wal Mart Branch | Ardmore , OK | 73401 | $10.8M |
| Dickson Branch | Ardmore , OK | 73401 | $8.1M |
Regulatory record
What the public regulatory sources show for Citizens Bank & Trust Company of Ardmore, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action September 12, 2018. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in OK, rank 86 of 194 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $140K approved, $140K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1995 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Citizens Bank & Trust Company of Ardmore
What are Citizens Bank & Trust Company of Ardmore's total assets?
As of the Q2 2026 filing, Citizens Bank & Trust Company of Ardmore reported total assets of $318.8 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Citizens Bank & Trust Company of Ardmore headquartered?
Citizens Bank & Trust Company of Ardmore is headquartered in Ardmore, OK, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Citizens Bank & Trust Company of Ardmore founded?
Citizens Bank & Trust Company of Ardmore was established in 1978, per the FDIC institution directory.
Is Citizens Bank & Trust Company of Ardmore FDIC-insured?
Yes. Citizens Bank & Trust Company of Ardmore is an FDIC-insured commercial bank (FDIC Certificate #22717). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Citizens Bank & Trust Company of Ardmore?
Citizens Bank & Trust Company of Ardmore's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Citizens Bank & Trust Company of Ardmore's CET1 capital ratio?
Citizens Bank & Trust Company of Ardmore reported a Common Equity Tier 1 (CET1) capital ratio of 16.44% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Citizens Bank & Trust Company of Ardmore operate?
Citizens Bank & Trust Company of Ardmore operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Citizens Bank & Trust Company of Ardmore's Texas Ratio?
Citizens Bank & Trust Company of Ardmore's Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Citizens Bank & Trust Company of Ardmore previously called?
The charter now named Citizens Bank & Trust Company of Ardmore has also operated as Citizens Bank and Trust Company of Ardmore (1997), Citizens Bank of Ardmore (1991-1997), per FDIC structure-change records.
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