Citizens Bank & Trust Company of Ardmore
Also written as CB&T
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Data as of · sourced from FFIEC call reports. How we update
Citizens Bank & Trust Company of Ardmore is an FDIC-insured commercial bank headquartered in Ardmore, OK, established in 1978 (FDIC certificate 22717), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $318.8M, down 0.9% from Q2 2025, the 78th largest of 169 banks headquartered in Oklahoma. Its CET1 capital ratio was 16.44% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 22717
- Headquarters
- Ardmore, OK
- Established
- 1978
- Total assets, Q2 2026
- $318.8M
- Assets vs Q2 2025
- -0.9%
- CET1 ratio, Q2 2026
- 16.44%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 103102274
- Latest call report
- Q2 2026, FFIEC 051 · Citizens Bank & Trust Company of Ardmore Q3 2026 call report, filed October 22, 2026 (preliminary)
- Holding company
- CITIZENS COMMERCE CORPORATION
- Asset rank in state
- 78th of 169 in Oklahoma
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 2,627 banks with $100 million to $1 billion in assets (median 2.7%). It also lost 0.9% of its deposits over the year, lower than about three-quarters of banks its size (median 4.1%).
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%. The figures come from its call report filed with the FFIEC.
Citizens Bank & Trust Company of Ardmore ranks as the 78th largest of the 169 banks based in Oklahoma, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 1.3% to $318.8M, loans rose 2.0% and deposits fell 1.8%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 41.4% of total loans, ahead of non-owner-occupied commercial real estate loans at 18.9%. Its 4 offices in the FDIC Summary of Deposits are in Ardmore, OK. Judged on its Q2 2026 call report, Citizens Bank & Trust Company of Ardmore meets every capital ratio test for well capitalized.
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)
- Domestic offices
- 4 FDIC institution directory, current count
- 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
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. How we compute these figures
Quarterly trends
Citizens Bank & Trust Company of Ardmore's total assets moved between a low of $312.8M (Q4 2024) and a high of $323.0M (Q1 2026) from Q3 2023 to 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
$318.8M total assets against $321.8M; $288.5M total liabilities against $294.8M.
$209.9M net loans and leases against $198.7M; $268.9M total deposits against $271.4M.
$87.3M securities against $91.8M; $10.1M cash and balances due against $20.0M.
$3.9M total interest income against $3.8M; $1.1M total interest expense against $1.1M.
$2.8M net interest income against $2.7M.
$529K total noninterest income against $714K; $2.0M total noninterest expense against $2.0M.
$32K provision for credit losses against $15K.
$1.3M net income against $1.4M.
1.57% return on assets against 1.67%; 3.59% net interest margin against 3.43%.
16.44% CET1 capital ratio against 16.10%; 10.60% tier 1 leverage ratio against 10.02%.
Inside the full Citizens Bank & Trust Company of Ardmore terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCitizens Bank & Trust Company of Ardmore rankings
Its closest position to the top of a national ranking is 651 of 2,134, for CET1 ratio; its furthest is 3,458 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.29% (Q3 2024) to 1.67% (Q2 2025) and its net interest margin ran from 3.22% (Q3 2024) to 3.59% (Q2 2026).
| 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% |
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Branch Network
View all 4 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 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
Facts as filed or published, not a rating.
- 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 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- 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).
- Not on file
- 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 & 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.
Where is Citizens Bank & Trust Company of Ardmore headquartered?
It is headquartered in Ardmore, OK, United States.
When was Citizens Bank & Trust Company of Ardmore founded?
It was established in 1978, per the FDIC institution directory.
Is Citizens Bank & Trust Company of Ardmore FDIC-insured?
Yes. It 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.
What is Citizens Bank & Trust Company of Ardmore's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 0.00% 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 & 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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