Citizens Bank and Trust is headquartered in Ardmore and is the 82^nd largest bank in the state of Oklahoma. It is also the 2,943^rd largest bank in the nation. It was established in 1978 and as of June of 2016, it had grown to 49 employees at 4 locations. Citizens Bank and Trust has a B+ health rating.

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Health

B+

Data as of Q2 2016

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Health Grade Components

Overall
FDIC Certificate #	22717
Year Established	1978
Employees	49
Primary Regulator	FED

Profit Margin
Return on Assets - YTD	1.41%
Return on Equity - YTD	14.57%
Annual Interest Income	$3.3MM

Assets and Liabilities
Assets	Q2 2016vs Q2 2015	$204.9MM$202.7MM
Loans	Q2 2016vs Q2 2015	$110.4MM$97.1MM
Deposits	Q2 2016vs Q2 2015	$163.2MM$168.0MM
Equity Capital	Q2 2016vs Q2 2015	$20.3MM$19.2MM
Loan Loss Allowance	Q2 2016vs Q2 2015	$1.1MM$956.00K
Unbacked Noncurrent Loans	Q2 2016vs Q2 2015	$101.00K$19.00K
Real Estate Owned	Q2 2016vs Q2 2015	$0$25.00K

Rates

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Citizens Bank and Trust Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.40%^*	$100^*	$15k	$MART Checking
OTHER TIERS: 0.10% → $15k+

Locations

Citizens Bank and Trust Locations
Downtown Branch	10 West Main	Ardmore, OK 73401
Citizens Bank and Trust Company Of Ardmore	1100 North Commerce	Ardmore, OK 73401
Wal Mart Branch	1715 North Commerce	Ardmore, OK 73401
Highway 199 and 177 Branch	Highway 199 and 177	Dickson, OK 73401