Citizens Bank of Ada
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Data as of · sourced from FFIEC call reports. How we update
Citizens Bank of Ada is an FDIC-insured commercial bank headquartered in Ada, OK, established in 1967 (FDIC certificate 19679), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $353.7M, up 8.7% from Q2 2025, the 72nd largest of 169 banks headquartered in Oklahoma. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.50% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 19679
- Headquarters
- Ada, OK
- Established
- 1967
- Total assets, Q2 2026
- $353.7M
- Assets vs Q2 2025
- +8.7%
- Tier 1 leverage ratio, Q2 2026
- 9.50%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 103101330
- Latest call report
- Q2 2026, FFIEC 051 · Citizens Bank of Ada call report
- Holding company
- CITIZENSADA FINANCIAL CORPORATION
- Asset rank in state
- 72nd of 169 in Oklahoma
Problem loans are rising at Citizens Bank of Ada. Based in Ada, Oklahoma, it had $354 million in assets at June 30, 2026, up 8.7% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.68% of loans from 0.00% a year earlier. It returns 20.9% a year on shareholders' equity, higher than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 12.5%). It also grew deposits 10.6% over the year, 2.6 times the median of 4.0% for banks its size.
Deposits are coming in faster than loans: over the year loans rose 6.2% and deposits rose 10.6%. Where it has less room is capital: it funds 9.50% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, Citizens Bank of Ada reported a return on assets of 1.90%, a nonperforming-loan ratio of 0.68% and a Texas ratio of 3.73%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Citizens Bank of Ada is the 72nd largest of the 169 banks headquartered in Oklahoma. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 4.2% to $353.7M, loans rose 3.5% and deposits rose 5.0%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 40.6% of total loans, followed by commercial and industrial loans at 18.1%. The FDIC Summary of Deposits lists 3 offices for it, in Ada, OK. Judged on its Q2 2026 call report, Citizens Bank of Ada meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 123 W 12th St, Ada, OK 74820
- County
- Pontotoc
- Metro Area
- Ada, OK
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Trust powers not granted
- Call Report form
- FFIEC 051
- Established
- February 20, 1967
- Former names
- Citizens Bank & Trust Company of Ada (1973-1991)
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 65
- Domestic deposits
- $310.7M
- Allowance for credit losses
- $2.3M
- Net charge-offs (YTD)
- -$13K
- Average total assets
- $353.0M
- Average total loans
- $185.8M
- Average interest-bearing deposits
- $225.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- February 20, 1967
- FDIC Cert
- 19679
- Fed RSSD
- 807656
- Website
- www.citizensada.bank →
- Parent Holding Company
- CITIZENSADA FINANCIAL CORPORATION (RSSD 3435229)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Citizens Bank of Ada reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Citizens Bank of Ada's total assets ranged from $287.2M (Q3 2023) to $353.7M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$353.7M total assets against $325.5M; $321.1M total liabilities against $295.4M.
$188.8M net loans and leases against $177.9M; $310.7M total deposits against $281.0M.
$116.5M securities against $108.3M; $42.3M cash and balances due against $33.7M.
$4.7M total interest income against $4.4M; $1.1M total interest expense against $914K.
$3.7M net interest income against $3.5M.
$724K total noninterest income against $748K; $2.7M total noninterest expense against $2.6M.
$45K provision for credit losses against $60K.
$1.7M net income against $1.5M.
1.90% return on assets against 1.89%; 4.31% net interest margin against 4.46%.
9.50% tier 1 leverage ratio against 9.60%.
Inside the full Citizens Bank of Ada terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCitizens Bank of Ada rankings
Its closest position to the top of a national ranking is 620 of 3,611, for ROA; its furthest is 1,928 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.71% (Q1 2026) to 2.12% (Q4 2025) and its net interest margin ran from 4.16% (Q3 2024) to 4.61% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.50% | 1.90% | 0.68% | 3.73% | 4.31% |
| Q1 2026 | 9.42% | 1.71% | 0.00% | 0.01% | 4.36% |
| Q4 2025 | 9.25% | 2.12% | 0.00% | 0.02% | 4.61% |
| Q3 2025 | 10.04% | 2.01% | 0.00% | 0.00% | 4.45% |
| Q2 2025 | 9.60% | 1.89% | 0.00% | 0.00% | 4.46% |
| Q1 2025 | 9.21% | 1.78% | 0.00% | 0.00% | 4.38% |
| Q4 2024 | 8.84% | 1.87% | 0.00% | 0.00% | 4.36% |
| Q3 2024 | 9.43% | 1.95% | 0.00% | 0.00% | 4.16% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Citizens Bank of Ada (main office) | Ada , OK | 74820 | $256.0M |
| Ada Arlington Branch | Ada , OK | 74820 | $51.7M |
| South Ada Branch | Ada , OK | 74820 | $3.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in OK, rank 76 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $125K approved, $125K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2020 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Citizens Bank of Ada
What are Citizens Bank of Ada's total assets?
As of the Q2 2026 filing, Citizens Bank of Ada reported total assets of $353.7 million in its FFIEC call report.
Where is Citizens Bank of Ada headquartered?
It is headquartered in Ada, OK, United States.
When was Citizens Bank of Ada founded?
It was established in 1967, per the FDIC institution directory.
Is Citizens Bank of Ada FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #19679). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Citizens Bank of Ada?
Citizens Bank of Ada's primary federal regulator is the FDIC.
How many branches does Citizens Bank of Ada operate?
It operates 3 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 of Ada's Texas Ratio?
Its Texas Ratio is 3.73% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Citizens Bank of Ada previously called?
The charter now named Citizens Bank of Ada has also operated as Citizens Bank & Trust Company of Ada (1973-1991), per FDIC structure-change records.
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