Side-by-side · Q2 2026 data
Citizens Bank and Trust Company of Ardmore vs American Nation Bank
Metric by metric
| Measure | Citizens Bank and Trust Company of Ardmore | American Nation Bank |
|---|---|---|
| TellerScore | 78 (stronger) | 76 |
| Capital cushion | 56 (stronger) | 53 |
| Loan quality | 100 (stronger) | 98 |
| Earnings | 83 (stronger) | 82 |
| Funding & liquidity | 67 | 71 (stronger) |
| Problem-loan coverage | 100 (stronger) | 87 |
| Peer percentile | 72nd | 64th |
| Total assets | $318.8M | $691.5M |
| Deposits / shares | $268.9M | $577.7M |
| Capital ratio | 10.60% (stronger) | 10.31% |
| Problem loans | 0.00% (stronger) | 0.06% |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | 1.59% (stronger) | 1.54% |
| Loans ÷ deposits | 78.1% (stronger) | 82.8% |
| Uninsured deposits | 28.4% | 20.9% (stronger) |
| Offices | 4 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 11.8% |
Citizens Bank and Trust Company of Ardmore has the higher TellerScore (78 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank and Trust Company of Ardmore leads on 5 and American Nation Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.