Bank Comparison
Citizens Bank & Trust Company of Ardmore vs State Bank of Graymont
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 8
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Citizens Bank & Trust Company of Ardmore | State Bank of Graymont |
|---|---|---|
| CET1 Ratio | 16.32% | — |
| Tier 1 Capital Ratio | 16.32% | — |
| Total Capital Ratio | 17.33% | — |
| Tier 1 Leverage Ratio | 10.38% | 11.36% |
| Equity / Assets | 9.15% | 11.37% |
Profitability
| Metric | Citizens Bank & Trust Company of Ardmore | State Bank of Graymont |
|---|---|---|
| Return on Assets (ROA) | 1.54% | 0.93% |
| Return on Equity (ROE) | 17.21% | 8.40% |
| Net Interest Margin (NIM) | 3.54% | 2.90% |
| Yield on Earning Assets | 4.93% | 4.50% |
| Cost of Funds | 1.51% | 1.79% |
Asset quality
| Metric | Citizens Bank & Trust Company of Ardmore | State Bank of Graymont |
|---|---|---|
| Texas Ratio | 0.00% | 19.22% |
| Non-Performing Loan Ratio | 0.00% | 3.82% |
| Non-Performing Asset Ratio | 0.00% | 2.23% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.00% | 1.23% |
Balance sheet
| Metric | Citizens Bank & Trust Company of Ardmore | State Bank of Graymont |
|---|---|---|
| Total Assets | $322,969K | $323,117K |
| Total Deposits | $273,734K | $281,562K |
| Total Loans | $207,834K | $188,322K |
| Total Equity | $29,562K | $36,732K |
| Net Income (quarter) | $1,251K | $766 |
Liquidity & funding
| Metric | Citizens Bank & Trust Company of Ardmore | State Bank of Graymont |
|---|---|---|
| Loan-to-Deposit Ratio | 75.93% | 66.88% |
| Core Deposit Ratio | 87.56% | 86.48% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Citizens Bank & Trust Company of Ardmore | State Bank of Graymont |
|---|---|---|
| Headquarters City | ARDMORE | GRAYMONT |
| Headquarters State | OK | IL |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 4 | 5 |
| Employees (FTE) | 43 | 43 |
| Established | Sept. 18, 1978, midnight | Jan. 1, 1913, 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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