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Overview / Commentary
1100 North Commerce
Ardmore, OK 73401

Citizens Bank and Trust is headquartered in Ardmore and is the 85th largest bank in the state of Oklahoma. It is also the 2,982nd largest bank in the nation. It was established in 1978 and as of December of 2016, it had grown to 50 employees at 4 locations. Citizens Bank and Trust has a B+ health rating.


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Health Grade Components

FDIC Certificate #22717
Year Established1978
Primary RegulatorFED
Profit Margin
Return on Assets - YTD1.24%
Return on Equity - YTD12.71%
Annual Interest Income$6.9MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$201.7MM$200.2MM
LoansQ4 2016vs Q4 2015$125.0MM$102.7MM
DepositsQ4 2016vs Q4 2015$160.3MM$164.5MM
Equity CapitalQ4 2016vs Q4 2015$19.2MM$19.0MM
Loan Loss AllowanceQ4 2016vs Q4 2015$1.2MM$994.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$88.00K$0
Real Estate OwnedQ4 2016vs Q4 2015$0$0
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Citizens Bank and Trust Checking Account Rates

0.40%*$100*$15k$MART Checking
OTHER TIERS: 0.10% $15k+

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