Side-by-side · Q2 2026 data
Patrons Bank, National Association vs Citizens Bank and Trust Company of Ardmore
Metric by metric
| Measure | Patrons Bank, National Association | Citizens Bank and Trust Company of Ardmore |
|---|---|---|
| TellerScore | 69 | 78 (stronger) |
| Capital cushion | 58 (stronger) | 56 |
| Loan quality | 73 | 100 (stronger) |
| Earnings | 63 | 83 (stronger) |
| Funding & liquidity | 79 (stronger) | 67 |
| Problem-loan coverage | 90 | 100 (stronger) |
| Peer percentile | 40th | 72nd |
| Total assets | $314.5M | $318.8M |
| Deposits / shares | $275.4M | $268.9M |
| Capital ratio | 10.77% (stronger) | 10.60% |
| Problem loans | 0.80% | 0.00% (stronger) |
| Net charge-offs | -0.31% (stronger) | 0.00% |
| Return on assets | 1.08% | 1.59% (stronger) |
| Loans ÷ deposits | 68.2% (stronger) | 78.1% |
| Uninsured deposits | 27.2% (stronger) | 28.4% |
| Offices | 5 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.3% | — |
Citizens Bank and Trust Company of Ardmore has the higher TellerScore (78 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Patrons Bank, National Association leads on 4 and Citizens Bank and Trust Company of Ardmore on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.