Citizens Bank of Ada (FDIC certificate #19679) is based in Ada, Oklahoma. Its Q2 2026 call report shows $353.7M in total assets and $310.7M in deposits and 3 offices.
Based on its Q2 2026 filing, Citizens Bank of Ada scores 73/100, which we describe as strong. That is higher than 53% of 2,650 banks with $100 million – $1 billion. Among 170 banks headquartered in Oklahoma, it ranks 70th. Its strongest component is problem-loan coverage (93/100; 3.7%), and its lowest is capital cushion (45/100; 9.50%).
TellerScore · Q2 2026
Scorecard
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
From Q2 2025 to Q2 2026, the score fell 7 points (80 → 73), mostly because the loan quality component weakened by 23 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 76 |
| Q3 2024 | 80 |
| Q4 2024 | 79 |
| Q1 2025 | 79 |
| Q2 2025 | 80 |
| Q3 2025 | 82 |
| Q4 2025 | 81 |
| Q1 2026 | 79 |
| Q2 2026 | 73 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.02% |
| Q3 2024 | 9.43% |
| Q4 2024 | 8.84% |
| Q1 2025 | 9.21% |
| Q2 2025 | 9.60% |
| Q3 2025 | 10.04% |
| Q4 2025 | 9.25% |
| Q1 2026 | 9.42% |
| Q2 2026 | 9.50% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.24% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.68% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.78% |
| Q3 2024 | 1.84% |
| Q4 2024 | 1.84% |
| Q1 2025 | 1.74% |
| Q2 2025 | 1.81% |
| Q3 2025 | 1.87% |
| Q4 2025 | 1.92% |
| Q1 2026 | 1.70% |
| Q2 2026 | 1.81% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 73 | $353.7M | 9.50% | 0.68% | 1.81% | 60.8% |
| Q1 2026 | 79 | $339.4M | 9.42% | 0.00% | 1.70% | 61.6% |
| Q4 2025 | 81 | $343.1M | 9.25% | 0.00% | 1.92% | 59.5% |
| Q3 2025 | 82 | $328.5M | 10.04% | 0.00% | 1.87% | 62.3% |
| Q2 2025 | 80 | $325.5M | 9.60% | 0.00% | 1.81% | 63.3% |
| Q1 2025 | 79 | $325.7M | 9.21% | 0.00% | 1.74% | 61.3% |
| Q4 2024 | 79 | $328.3M | 8.84% | 0.00% | 1.84% | 60.4% |
| Q3 2024 | 80 | $308.3M | 9.43% | 0.00% | 1.84% | 64.8% |
| Q2 2024 | 76 | $307.5M | 9.02% | 0.24% | 1.78% | 62.6% |
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).
Similar-size banks in Oklahoma
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Frazer BankBank Altus, OK | 77 out of 100, Strong | $354.3M | 11.2% | 0.00% | vs |
| Sooner State BankBank Tuttle, OK | 86 out of 100, Very strong | $354.6M | 12.8% | 0.33% | vs |
| The Pauls Valley National BankBank Pauls Valley, OK | 39 out of 100, Low | $356.6M | 9.5% | 5.72% | vs |
| Cowboy BankBank Kremlin, OK | 84 out of 100, Strong | $350.3M | 12.7% | 0.49% | vs |
| The First Security BankBank Beaver, OK | 35 out of 100, Low | $335.0M | 8.3% | 2.34% | vs |
| Bank of CommerceBank Duncan, OK | 46 out of 100, Below average | $334.0M | 10.5% | 2.27% | vs |
Deposit insurance
Is my money safe at Citizens Bank of Ada?
Yes. Citizens Bank of Ada is an FDIC-insured institution (FDIC certificate #19679). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 27.7% of deposits ($86.1M) 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 9.50%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
3 locations
Branches
Citizens Bank of Ada lists 3 offices in 1 city. Most locations:
- Ada, OK (3)
Identity & history
Profile
- Legal name
- Citizens Bank of Ada
- Former names
- Citizens Bank & Trust Company of Ada
- Type
- State-chartered bank
- FDIC certificate #
- 19679
- RSSD ID
- 807656
- Primary regulator
- FDIC
- Holding company
- Citizensada Financial Corp
- Established
- February 20, 1967
- Headquarters
- 123 W 12th St, Ada, OK 74820
- Website
- www.citizensada.bank
- Employees
- 65
Quick answers
Citizens Bank of Ada: common questions
Is Citizens Bank of Ada FDIC insured?
Yes. Citizens Bank of Ada is an FDIC-insured institution (FDIC certificate #19679). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Citizens Bank of Ada's TellerScore?
73 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 of Ada ever failed?
There is no failure record for FDIC certificate #19679 in the FDIC failed bank list.
How many branches does Citizens Bank of Ada have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Ada
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| International Bank of CommerceBank Oklahoma City, OK | 88 out of 100, Very strong | $1.6B | 15.5% | 0.66% | vs |
| Sooner State BankBank Tuttle, OK | 86 out of 100, Very strong | $354.6M | 12.8% | 0.33% | vs |
| Farmers State Bank, Allen, OklahomaBank Allen, OK | 86 out of 100, Very strong | $57.2M | 13.5% | 0.61% | vs |
| Tinker Federal Credit UnionCredit union Oklahoma City, OK | 83 out of 100, Strong | $6.1B | 14.7% | 0.63% | vs |
| First American BankBank Stonewall, OK | 82 out of 100, Strong | $34.3M | 13.1% | 0.67% | vs |
| First National Bank and Trust Company of ArdmoreBank Ardmore, OK | 79 out of 100, Strong | $686.7M | 10.1% | 0.03% | vs |