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Overview / Commentary
1100 North Commerce
Ardmore, OK 73401

Citizens Bank and Trust is headquartered in Ardmore and is the 80th largest bank in the state of Oklahoma. It is also the 2,781st largest bank in the nation. It was established in 1978 and as of December of 2017, it had grown to 49 employees at 4 locations. Citizens Bank and Trust has an A health rating.


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Health Grade Components

FDIC Certificate #22717
Year Established1978
Primary RegulatorFED
Profit Margin
Return on Assets - YTD1.13%
Return on Equity - YTD12.07%
Annual Interest Income$7.9MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$219.0MM$201.7MM
LoansQ4 2017vs Q4 2016$148.8MM$125.0MM
DepositsQ4 2017vs Q4 2016$165.7MM$160.3MM
Equity CapitalQ4 2017vs Q4 2016$19.8MM$19.2MM
Loan Loss AllowanceQ4 2017vs Q4 2016$1.4MM$1.2MM
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$0$88.00K
Real Estate OwnedQ4 2017vs Q4 2016$0$0

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Citizens Bank and Trust Locations
Downtown Branch10 West MainArdmore, OK 73401
Citizens Bank and Trust Company Of Ardmore1100 North CommerceArdmore, OK 73401
Wal Mart Branch1715 North CommerceArdmore, OK 73401
Highway 199 and 177 BranchHighway 199 and 177Dickson, OK 73401