Bank Comparison
Citizens Bank & Trust Company of Ardmore vs American Bank and Trust Company
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
12 · 8
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Citizens Bank & Trust Company of Ardmore | American Bank and Trust Company |
|---|---|---|
| CET1 Ratio | 16.32% | — |
| Tier 1 Capital Ratio | 16.32% | — |
| Total Capital Ratio | 17.33% | — |
| Tier 1 Leverage Ratio | 10.38% | 15.08% |
| Equity / Assets | 9.15% | 15.54% |
Profitability
| Metric | Citizens Bank & Trust Company of Ardmore | American Bank and Trust Company |
|---|---|---|
| Return on Assets (ROA) | 1.54% | 1.55% |
| Return on Equity (ROE) | 17.21% | 10.49% |
| Net Interest Margin (NIM) | 3.54% | 3.96% |
| Yield on Earning Assets | 4.93% | 5.90% |
| Cost of Funds | 1.51% | 2.24% |
Asset quality
| Metric | Citizens Bank & Trust Company of Ardmore | American Bank and Trust Company |
|---|---|---|
| Texas Ratio | 0.00% | 17.36% |
| Non-Performing Loan Ratio | 0.00% | 2.96% |
| Non-Performing Asset Ratio | 0.00% | 2.20% |
| Net Charge-Off Ratio | 0.00% | 0.60% |
| ACL / Loans | 1.00% | 1.02% |
Balance sheet
| Metric | Citizens Bank & Trust Company of Ardmore | American Bank and Trust Company |
|---|---|---|
| Total Assets | $322,969K | $319,673K |
| Total Deposits | $273,734K | $264,644K |
| Total Loans | $207,834K | $201,752K |
| Total Equity | $29,562K | $49,668K |
| Net Income (quarter) | $1,251K | $1,289K |
Liquidity & funding
| Metric | Citizens Bank & Trust Company of Ardmore | American Bank and Trust Company |
|---|---|---|
| Loan-to-Deposit Ratio | 75.93% | 76.24% |
| Core Deposit Ratio | 87.56% | 83.94% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Citizens Bank & Trust Company of Ardmore | American Bank and Trust Company |
|---|---|---|
| Headquarters City | ARDMORE | TULSA |
| Headquarters State | OK | OK |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 4 | 2 |
| Employees (FTE) | 43 | 39 |
| Established | Sept. 18, 1978, midnight | Nov. 5, 1971, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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