Citizens Bank and Trust

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LOCATIONS

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.citizensbt.com

580-226-4610

1100 North Commerce
Ardmore, OK 73401

Citizens Bank and Trust is headquartered in ARDMORE and is the 76^th largest bank in the state of Oklahoma. It is also the 2,419^th largest bank in the nation. It was established in 1978 and as of March of 2025, it had grown to 47 employees at 4 locations. Citizens Bank and Trust has a B+ health rating.

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Health

B+

Data as of Q1 2025

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Health Grade Components

Overall
FDIC Certificate #	22717
Year Established	1978
Employees	47
Primary Regulator	FED

Profit Margin
Return on Assets - YTD	1.4%
Return on Equity - YTD	17.84%
Annual Interest Income	$3.7MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$318.7MM$321MM
Loans	Q1 2025vs Q1 2024	$198.4MM$194.3MM
Deposits	Q1 2025vs Q1 2024	$273.2MM$268.7MM
Equity Capital	Q1 2025vs Q1 2024	$25.6MM$19MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$2MM$1.9MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$0$0
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

Sorry, we do not have rate data for Citizens Bank and Trust.

Locations

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

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