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Citizens Bank and Trust Company of Ardmore

$100M-$1B Specialty: Commercial OK FDIC cert 22717

Ardmore, OK

4 branches across OK

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 106 in OK.
  • Deposits -0.9% year over year ($268.9M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 1.59%.
  • Efficiency ratio 60.88% vs a 64.48% peer average.
  • Loan-to-deposit ratio 78.06% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 106 in OK
View $100M-$1B leaderboard (OK) →

Citizens Bank and Trust Company of Ardmore has 4 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Credit Quality Leader: Top 36.6% in tier
  • + Nonperforming Asset Ratio 0.67% below tier average
  • + ROA 0.26% above tier average
  • + Efficiency Ratio 3.60% below tier average

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 42.4% in tier
  • - Net Interest Margin 0.35% below tier average
Get updates when Citizens Bank and Trust Company of Ardmore releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Total Assets ? $318.8M
-0.9% YoY -1.3% QoQ
-$67.8M $386.6M
+1.2% YoY
$1.3B
+6.0% YoY
$6.3B
+7.7% YoY
49%
Total Loans ? $209.9M
+5.6% YoY +2.0% QoQ
-$48.5M $258.3M
+1.7% YoY
$835.5M
+7.1% YoY
$3.2B
+9.4% YoY
50%
Total Deposits ? $268.9M
-0.9% YoY -1.8% QoQ
-$57.8M $326.7M
+0.7% YoY
$967.8M
+5.8% YoY
$4.9B
+7.3% YoY
49%
Return on Assets ? 1.59%
+1.6% YoY +1.9% QoQ
+0.26% 1.32%
+10.8% YoY
1.35%
+7.7% YoY
1.30%
+12.1% YoY
70%
Net Interest Margin ? 3.63%
+5.6% YoY +1.4% QoQ
-0.35% 3.99%
+5.0% YoY
4.27%
+1.9% YoY
3.95%
+4.9% YoY
34%
Efficiency Ratio ? 60.88%
-0.1% YoY -1.0% QoQ
-3.60% 64.48%
-3.2% YoY
64.81%
-3.0% YoY
70.05%
+2.5% YoY
55%
Delinquency Rate ? 0.00% -0.92% 0.92%
+15.7% YoY
1.78%
+23.7% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 78.06%
+6.6% YoY +3.8% QoQ
+0.11% 77.95%
+1.0% YoY
74.14%
+1.3% YoY
79.03%
+2.3% YoY
53%
Non-Interest-Bearing Deposit Share ? 22.76%
-4.4% YoY +3.4% QoQ
+0.73% 22.03%
-0.6% YoY
23.91%
-1.8% YoY
21.98%
-0.6% YoY
58%
Nonperforming Asset Ratio ? 0.00% -0.67% 0.67%
+16.4% YoY
1.24%
+23.1% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 16.44%
+2.1% YoY +0.7% QoQ
+0.53% 15.91%
+1.4% YoY
14.18%
-3.9% YoY
17.09%
+0.8% YoY
74%
Non-Interest Income / Assets ? 0.33%
-12.5% YoY +104.0% QoQ
-0.24% 0.57%
+7.6% YoY
0.31%
-11.7% YoY
0.66%
+5.2% YoY
77%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Noninterest-Bearing 22.8%
-1.1pp YoY
+0.7pp QoQ
 +0.6pp 22.1% 23.9% 22.2% 58%
Brokered Deposits 2.2%
0.0pp YoY
0.0pp QoQ
 -5.6pp 7.9% 9.7% 8.5% 32%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
C&I 6.7%
+1.2pp YoY
+0.5pp QoQ
 -4.9pp 11.6% 15.7% 12.5% 31%
CRE 46.3%
+1.2pp YoY
+1.2pp QoQ
 +6.8pp 39.5% 42.0% 41.4% 64%
1-4 Family 41.9%
-2.0pp YoY
-1.5pp QoQ
 +9.2pp 32.6% 24.0% 31.3% 73%
Consumer 5.4%
0.0pp YoY
-0.2pp QoQ
 +1.3pp 4.1% 5.6% 5.0% 80%

Capital

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
CET1 Ratio 16.4%
+0.3pp YoY
+0.1pp QoQ
 -2.4pp 18.8% 17.0% 19.7% 60%
Leverage Ratio 10.6%
+0.6pp YoY
+0.2pp QoQ
 -1.6pp 12.2% 11.7% 12.6% 43%
Total Capital Ratio 17.4%
+0.3pp YoY
+0.1pp QoQ
 -2.5pp 19.9% 18.2% 20.8% 60%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Full-Time Employees 46
+1 (+2.2%) YoY
+3 (+7.0%) QoQ
 -13 58 150 482 48%
Assets per Employee ($) $6.9M
-3.1% YoY
-7.7% QoQ
 -$588K $7.5M $6.5M $8.8M 51%
Branch Count 4
0 YoY
0 QoQ
 -1 4 8 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.9% 0.4% n/a
Nonaccrual n/a n/a 0.9% 1.5% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 61.99x 20.23x n/a
Net Charge-off Rate (YTD) 0.0% -0.1pp 0.1% 0.2% 0.2% 35%

Profitability

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
ROE 17.2%
-2.2pp YoY
0.0pp QoQ
 +5.0pp 12.2% 11.9% 11.6% 78%
Cost of Funds (YTD) 1.4%
-0.1pp YoY
0.0pp QoQ
 -0.3pp 1.7% 1.8% 1.7% 31%
Net Income ($, YTD) $2.5M
+2.5% YoY
— QoQ
 -$13K $2.6M $8.7M $40.4M 63%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth
#242 of 659 • Top 36.6% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.00%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (1)

Deposit Outflow

decline
#228 of 535 • Bottom 42.4% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
613
Non-Interest Income / Assets
revenue_mix
Value: 0.33%
Peer Median: 0.57%
#613 of 2643 Top 23.2% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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