Side-by-side · Q2 2026 data
First Bethany Bank & Trust vs Citizens Bank and Trust Company of Ardmore
Metric by metric
| Measure | First Bethany Bank & Trust | Citizens Bank and Trust Company of Ardmore |
|---|---|---|
| TellerScore | 71 | 78 (stronger) |
| Capital cushion | 41 | 56 (stronger) |
| Loan quality | 94 | 100 (stronger) |
| Earnings | 67 | 83 (stronger) |
| Funding & liquidity | 80 (stronger) | 67 |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 47th | 72nd |
| Total assets | $316.8M | $318.8M |
| Deposits / shares | $272.9M | $268.9M |
| Capital ratio | 9.10% | 10.60% (stronger) |
| Problem loans | 0.18% | 0.00% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.00% |
| Return on assets | 1.19% | 1.59% (stronger) |
| Loans ÷ deposits | 72.0% (stronger) | 78.1% |
| Uninsured deposits | 22.3% (stronger) | 28.4% |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.4% | — |
Citizens Bank and Trust Company of Ardmore has the higher TellerScore (78 vs 71). On the 7 directional measures above (where higher or lower is clearly better), First Bethany Bank & Trust leads on 3 and Citizens Bank and Trust Company of Ardmore on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.