TellerScore

Citizens Bank and Trust Company of Ardmore is a state-chartered bank (fed member) headquartered in Ardmore, Oklahoma, in business for about 48 years. At the end of Q2 2026 it reported $318.8M in total assets and $268.9M in deposits, with 4 offices.

Citizens Bank and Trust Company of Ardmore has a TellerScore of 78 out of 100 (strong) based on Q2 2026 data — higher than 72% of its 2,650 banks with $100 million – $1 billion. Among 170 banks headquartered in Oklahoma, it ranks 52nd. Loan quality contributes the most (100/100, 0.00%); capital cushion contributes the least (56/100, 10.60%).

TellerScore · Q2 2026

Scorecard

Capital cushion56/100
Tier 1 leverage ratio: 10.60%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings83/100
Return on assets (annualized): 1.59%
Funding & liquidity67/100
Loans ÷ deposits and uninsured-deposit share: 78.1% · 28.4% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (77 → 78).

TellerScore
697478Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202469
Q3 202471
Q4 202474
Q1 202576
Q2 202577
Q3 202578
Q4 202578
Q1 202678
Q2 202678
Tier 1 leverage ratio
5.00%7.80%10.60%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.44%
Q3 20248.99%
Q4 20249.59%
Q1 20259.88%
Q2 202510.02%
Q3 202510.42%
Q4 202510.19%
Q1 202610.38%
Q2 202610.60%
Noncurrent loans
-1.00%0.00%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
1.10%1.34%1.59%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.10%
Q3 20241.17%
Q4 20241.27%
Q1 20251.40%
Q2 20251.56%
Q3 20251.57%
Q4 20251.59%
Q1 20261.56%
Q2 20261.59%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202678$318.8M10.60%0.00%1.59%78.1%
Q1 202678$323.0M10.38%0.00%1.56%75.2%
Q4 202578$320.3M10.19%0.00%1.59%73.9%
Q3 202578$318.1M10.42%0.00%1.57%75.2%
Q2 202577$321.8M10.02%0.00%1.56%73.2%
Q1 202576$318.7M9.88%0.00%1.40%72.6%
Q4 202474$312.8M9.59%0.00%1.27%71.9%
Q3 202471$318.7M8.99%0.00%1.17%74.5%
Q2 202469$318.9M8.44%0.00%1.10%73.0%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.60%
43rd
Total risk-based capital17.43%
79th
Problem loans0.00%
94th
Net charge-offs0.00%
55th
Return on assets1.59%
70th
Net interest margin3.63%
34th
Efficiency ratio60.9%
55th
Loans to deposits78.1%
53rd
Uninsured deposits28.4%
33rd
Loan-loss reserves0.99%
25th
Texas ratio0.0%
95th

Similar-size banks in Oklahoma

InstitutionScoreAssetsCapitalProblem loansCompare
First Bethany Bank & TrustBank Bethany, OK71 out of 100, Strong$316.8M9.1%0.18%vs
Patrons Bank, National AssociationBank Okmulgee, OK69 out of 100, Moderate$314.5M10.8%0.80%vs
The Payne County BankBank Perkins, OK83 out of 100, Strong$313.2M14.4%1.09%vs
American Bank and Trust CompanyBank Tulsa, OK60 out of 100, Moderate$324.4M15.3%6.26%vs
The Bankers BankBank Oklahoma City, OK54 out of 100, Below average$310.5M12.7%1.93%vs
High Plains BankBank Okeene, OK71 out of 100, Strong$330.2M10.8%0.97%vs

Deposit insurance

Is my money safe at Citizens Bank and Trust Company of Ardmore?

Yes. Citizens Bank and Trust Company of Ardmore is an FDIC-insured institution (FDIC certificate #22717). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 28.4% of deposits ($76.3M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.60%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.43% (benchmark: 10%).

Check how much of your own balance is covered

4 locations

Branches

Citizens Bank and Trust Company of Ardmore lists 4 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Citizens Bank and Trust Company of Ardmore
Former names
Citizens Bank of Ardmore; Citizens National Bank of Ardmore
Type
State-chartered bank (Fed member)
FDIC certificate #
22717
RSSD ID
255556
Primary regulator
FED
Holding company
Citizens Commerce Corp
Established
September 18, 1978
Headquarters
1100 N Commerce St, Ardmore, OK 73401
Employees
46

Quick answers

Citizens Bank and Trust Company of Ardmore: common questions

Is Citizens Bank and Trust Company of Ardmore FDIC insured?

Yes. Citizens Bank and Trust Company of Ardmore is an FDIC-insured institution (FDIC certificate #22717). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Citizens Bank and Trust Company of Ardmore's TellerScore?

78 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Citizens Bank and Trust Company of Ardmore ever failed?

There is no failure record for FDIC certificate #22717 in the FDIC failed bank list.

How many branches does Citizens Bank and Trust Company of Ardmore have?

4 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Ardmore

InstitutionScoreAssetsCapitalProblem loansCompare
International Bank of CommerceBank Oklahoma City, OK88 out of 100, Very strong$1.6B15.5%0.66%vs
First National Bank and Trust Company of ArdmoreBank Ardmore, OK79 out of 100, Strong$686.7M10.1%0.03%vs
American Nation BankBank Ardmore, OK76 out of 100, Strong$691.5M10.3%0.06%vs
BancFirstBank Oklahoma City, OK71 out of 100, Strong$12.8B10.6%1.19%vs
Communication Federal Credit UnionCredit union Oklahoma City, OK68 out of 100, Moderate$2.4B11.8%1.24%vs
Mtc Federal Credit UnionCredit union Greenville, SC67 out of 100, Moderate$302.6M12.7%0.90%vs