CITIZENS BANK & TRUST COMPANY OF ARDMORE

ARDMORE, OK | Small | Est. Sept. 18, 1978, midnight | FDIC #22717 | RSSD #255556 | FED
Latest Report: 2025-12-31

CITIZENS BANK & TRUST COMPANY OF ARDMORE is asn small FDIC-insured commercial bank headquartered in ARDMORE, OK, established in Sept. 18, 1978, midnight. As of 2025-12-31, the bank reported total assets of $320M and total deposits of $273M. Profitability stands at 1.64% ROA and 18.07% ROE, with a net interest margin of 3.74%. The bank's CET1 capital ratio is 16.08%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #22717.

Assets

$320M

Deposits

$273M

Loans

$204M

Equity

$29M

Profitability

Return on Assets (ROA) 1.64%
Return on Equity (ROE) 18.07%
Net Interest Margin (NIM) 3.74%
Yield on Assets 5.26%
Cost of Funds 1.61%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.02%

Capital & Liquidity

CET1 Ratio 16.08%
Tier 1 Capital 16.08%
Total Capital Ratio 17.09%
Leverage Ratio 10.19%
Loan-to-Deposit 74.66%

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