Citizens Bank & Trust Company of Ardmore: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 2.92 percentage points higher than in Q1 2026, at 78.84%. Citizens Bank & Trust Company of Ardmore ranks 71st of 169 Oklahoma banks on return on assets, in the upper half at 1.57% (Q2 2026). Citizens Bank & Trust Company of Ardmore reported 1.57% on return on assets for Q2 2026, 0.32 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.44% |
| Tier 1 risk-based capital ratio | 16.44% |
| Total risk-based capital ratio | 17.43% |
| Tier 1 leverage ratio | 10.60% |
| Equity capital to assets | 9.51% |
| Tangible equity to tangible assets | 9.51% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 0.99% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.57% |
| Return on equity | 17.25% |
| Net interest margin | 3.59% |
| Efficiency ratio | 59.69% |
| Yield on earning assets | 4.96% |
| Cost of funds | 1.54% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.84% |
| Core deposits to total deposits | 85.57% |
| Brokered deposits to total deposits | 2.23% |
| Deposits to assets | 84.34% |
| Securities to assets | 27.38% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.51% | 13.51% | 14.40% | 8.20% | 0.92% |
| Q4 2023 | 13.34% | 13.34% | 14.26% | 8.07% | 1.04% |
| Q1 2024 | 13.16% | 13.16% | 14.09% | 8.18% | 1.02% |
| Q2 2024 | 13.92% | 13.92% | 14.90% | 8.44% | 1.13% |
| Q3 2024 | 14.70% | 14.70% | 15.70% | 8.99% | 1.29% |
| Q4 2024 | 15.83% | 15.83% | 16.85% | 9.59% | 1.52% |
| Q1 2025 | 15.71% | 15.71% | 16.70% | 9.88% | 1.38% |
| Q2 2025 | 16.10% | 16.10% | 17.09% | 10.02% | 1.67% |
| Q3 2025 | 16.70% | 16.70% | 17.71% | 10.42% | 1.57% |
| Q4 2025 | 16.08% | 16.08% | 17.09% | 10.19% | 1.61% |
| Q1 2026 | 16.32% | 16.32% | 17.33% | 10.38% | 1.54% |
| Q2 2026 | 16.44% | 16.44% | 17.43% | 10.60% | 1.57% |
Citizens Bank & Trust Company of Ardmore vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Citizens Bank & Trust Company of Ardmore, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Citizens Bank & Trust Company of Ardmore profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22717) · FFIEC NIC profile (RSSD 255556)