Citizens Bank of Oklahoma

Citizens Bank of Oklahoma is headquartered in Pawhuska and is the 102^nd largest bank in the state of Oklahoma. It is also the 3,871^st largest bank in the nation. It was established in 1905 and as of March of 2012, it had grown to 25 employees at 2 locations. Citizens Bank of Oklahoma's savings rates are 44% higher than the national average, and it boasts a 5-star health rating.

Citizens Bank of Oklahoma Routing Number: 103101877

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Data for Q1 2012

Institution Statistics Citizens Bank of Oklahoma FDIC Certificate # 14899 BankRate Report View Year Established 1905 Employees 25 Primary Regulator FED Assets and Liabilities Assets $150.06 million Loans $114.57 million Deposits $133.69 million Equity Capital $15.36 million Loan Loss Allowance $2.29 million Historic Data - March 2011 Assets $146.03 million Equity Capital $14.25 million Loan Loss Allowance $1.72 million Unbacked Noncurrent Loans $475,000 Profit Margin - Quarterly Net Interest Margin 4.31% Return on Assets 1.57% Return on Equity 15.53% Interest Income $1.82 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Citizens Bank of Oklahoma had $0 in non-current loans and owned real-estate with $17.65 million in equity and loan loss allowances on hand to cover it. This gives Citizens Bank of Oklahoma a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Deposit Growth In the past year, Citizens Bank of Oklahoma has increased its total deposits by $2.68 million, resulting in 2.04% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Citizens Bank of Oklahoma has shown is above average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Citizens Bank of Oklahoma has $150.06 million in assets with $17.65 million in equity, resulting in a capitalization level of 11.76%, which is above average.

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