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Overview / Commentary
1100 North Commerce
Ardmore, OK 73401

Citizens Bank and Trust is headquartered in Ardmore and is the 81st largest bank in the state of Oklahoma. It is also the 2,842nd largest bank in the nation. It was established in 1978 and as of June of 2017, it had grown to 52 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 - YTD1.08%
Return on Equity - YTD11.45%
Annual Interest Income$3.8MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$211.8MM$204.9MM
LoansQ2 2017vs Q2 2016$135.6MM$110.4MM
DepositsQ2 2017vs Q2 2016$160.9MM$163.2MM
Equity CapitalQ2 2017vs Q2 2016$20.2MM$20.3MM
Loan Loss AllowanceQ2 2017vs Q2 2016$1.3MM$1.1MM
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$58.00K$101.00K
Real Estate OwnedQ2 2017vs Q2 2016$65.00K$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