Citizens Bank & Trust Company of Ardmore: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Citizens Bank & Trust Company of Ardmore of Ardmore, OK against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.57% | 1.34% | +0.23% | 67th above |
| ROAE | 17.25% | 13.31% | +3.94% | 77th top |
| Net Interest Margin | 3.59% | 3.93% | -0.34% | 31st below |
| Efficiency Ratio | 59.69% | 61.14% | -1.45% | 55th above |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.61% | 1.68% | -0.07% | 52nd above |
| Yield on Earning Assets | 4.96% | 5.67% | -0.71% | 22nd bottom |
| Cost of Funds | 1.54% | 1.88% | -0.34% | 67th above |
| Net Interest Spread | 3.03% | 3.32% | -0.29% | 34th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.00% | 0.70% | -0.70% | 94th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 44th below |
| ACL / Total Loans | 0.99% | 1.28% | -0.29% | 25th below |
| Texas Ratio | 0.00% | 7.33% | -7.33% | 95th top |
| Provision / NCO | 1333.33% | 1395.52% | -62.19% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.44% | 19.50% | -3.06% | 60th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.44% | 19.54% | -3.10% | 60th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 17.43% | 20.62% | -3.19% | 59th above |
| Leverage Ratio | 10.60% | 12.14% | -1.54% | 44th below |
| Equity / Assets | 9.51% | 11.37% | -1.86% | 36th below |
| TCE / Tangible Assets | 9.51% | 11.09% | -1.58% | 40th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 78.84% | 80.64% | -1.80% | 53rd above |
| Core Deposit Ratio | 85.57% | 86.86% | -1.29% | 32nd below |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.51% | 5.03% | -0.52% | 41st below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.93% | 6.85% | -7.78% | 14th bottom |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.62% | 7.90% | -2.28% | 52nd above |
| Deposit Growth (Y/Y) | -0.94% | 6.29% | -7.23% | 18th bottom |
See Citizens Bank & Trust Company of Ardmore's peers by name
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Unlock Citizens Bank & Trust Company of Ardmore, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Citizens Bank & Trust Company of Ardmore profile, how to read a UBPR, or how this data updates.