Bank Routing Number

Citizens Bank & Trust Company of Ardmore Routing Number

The primary ABA routing number (RTN) for Citizens Bank & Trust Company of Ardmore, Ardmore, OK is shown below.

Primary ABA / RTN

103102274

Verify before you send money. This is the bank's primary registered routing number, taken from the FFIEC National Information Center institution record (last refreshed here on October 8, 2026). Banks often use a different routing number for wire transfers than for ACH, and large banks vary it by region; always confirm the correct number on a check or with your bank before initiating a transfer.

What is an ABA routing number?

An ABA routing number, also called a routing transit number (RTN), is a 9-digit code that identifies a U.S. financial institution in the payment system. It tells ACH transfers, Fedwire payments, and paper checks which bank to route money to. The format was created by the American Bankers Association in 1910 and is still the backbone of U.S. domestic payments.

What is the difference between a routing number and an account number?

Your routing number identifies the bank; your account number identifies your specific account at that bank. On a paper check, the routing number is the 9-digit number in the bottom-left, and the account number is to its right.

What is the Citizens Bank & Trust Company of Ardmore routing number?

The Citizens Bank & Trust Company of Ardmore routing number is 103102274. It is the primary ABA routing transit number registered to Citizens Bank & Trust Company of Ardmore, headquartered in Ardmore, OK. A bank can hold more than one routing number, so this is the one on record for the institution, not necessarily the one printed on every check. The number comes from the FFIEC National Information Center institution record, last refreshed here on October 8, 2026.

What is the Citizens Bank & Trust Company of Ardmore wire routing number?

This page lists 103102274, the primary routing number registered to Citizens Bank & Trust Company of Ardmore. The record does not say whether the bank uses the same number for wire transfers, and many banks use a separate routing number for domestic wires. Confirm the wire routing number with Citizens Bank & Trust Company of Ardmore before sending a wire.

Is ABA number 103102274 the routing number for Citizens Bank & Trust Company of Ardmore?

Yes. ABA number 103102274 is the primary routing number registered to Citizens Bank & Trust Company of Ardmore. Check it against the routing number on a check or in your online banking before sending an ACH payment, because a bank can use different numbers by region or product.

Which bank uses routing number 103102274?

Routing number 103102274 belongs to Citizens Bank & Trust Company of Ardmore, headquartered in Ardmore, OK. It is the bank's primary ABA routing number (FDIC certificate 22717).

Routing numbers of similar-size institutions in Oklahoma

Bank, Ardmore, OK: American Nation Bank: 103102960
Bank, Ardmore, OK: First National Bank and Trust Company of Ardmore: 103100522
Bank, Bethany, OK: First Bethany Bank & Trust: 103009160
Bank, Okmulgee, OK: Patrons Bank, N.A.: 103101107
Bank, Tulsa, OK: American Bank and Trust Company: 103901569
Bank, Perkins, OK: The Payne County Bank: 103105213
Bank, Oklahoma City, OK: The Bankers Bank: 103003616
Bank, Okeene, OK: High Plains Bank: 103112455

All routing numbers in Oklahoma

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Regulator records: FDIC BankFind (cert 22717) · FFIEC NIC profile (RSSD 255556)