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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

2664 banks in the $100M-$1B peer group nationally 107 in OK
View $100M-$1B leaderboard (OK) →

Citizens Bank and Trust Company of Ardmore has 4 strengths but faces 1 concern

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 39.6% in tier
  • + Nonperforming Asset Ratio 0.64% below tier average
  • + ROA 0.29% above tier average
  • + Efficiency Ratio 3.81% below tier average

Key Concerns

Areas that may need attention

  • - 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-Q1

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Total Assets ? $323.0M
+1.3% YoY +0.8% QoQ
-$63.1M $386.1M
+0.5% YoY
$1.2B
+6.7% YoY
$6.2B
+9.1% YoY
50%
Total Loans ? $205.8M
+3.7% YoY +2.1% QoQ
-$50.0M $255.7M
+1.1% YoY
$822.6M
+7.2% YoY
$3.2B
+10.8% YoY
50%
Total Deposits ? $273.7M
+0.2% YoY +0.3% QoQ
-$54.2M $328.0M
+0.1% YoY
$956.7M
+4.7% YoY
$4.8B
+8.2% YoY
50%
Return on Assets ? 1.56%
+10.9% YoY -2.1% QoQ
+0.29% 1.27%
+12.9% YoY
1.34%
+7.6% YoY
1.23%
+13.4% YoY
71%
Net Interest Margin ? 3.58%
+7.0% YoY +1.7% QoQ
-0.35% 3.93%
+6.0% YoY
4.25%
+2.4% YoY
3.89%
+5.7% YoY
35%
Efficiency Ratio ? 61.47%
-2.4% YoY +1.9% QoQ
-3.81% 65.29%
-4.5% YoY
65.16%
-1.8% YoY
66.95%
-4.1% YoY
55%
Delinquency Rate ? 0.00% -0.89% 0.89%
+18.8% YoY
1.61%
+16.3% YoY
0.95%
+18.8% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 75.17%
+3.5% YoY +1.7% QoQ
-1.47% 76.64%
+0.8% YoY
73.83%
+1.6% YoY
76.70%
+0.9% YoY
57%
Non-Interest-Bearing Deposit Share ? 22.02%
-7.0% YoY -9.8% QoQ
+0.00% 22.02%
-1.0% YoY
23.68%
-1.7% YoY
22.01%
-1.2% YoY
54%
Nonperforming Asset Ratio ? 0.00% -0.64% 0.64%
+19.7% YoY
1.12%
+15.3% YoY
0.67%
+19.3% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 16.32%
+3.9% YoY +1.5% QoQ
+0.49% 15.83%
+1.5% YoY
14.36%
-1.8% YoY
17.06%
+0.8% YoY
74%
Non-Interest Income / Assets ? 0.16%
+3.4% YoY -77.3% QoQ
-0.12% 0.28%
+9.3% YoY
0.15%
-5.6% YoY
0.32%
+4.1% YoY
77%

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
#264 of 664 • Top 39.6% 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: 0.89%, National: 0.95%)
better than tier avg
664 of 664 Community banks match · 922 nationally
→ Stable +2 banks QoQ | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

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 2664 peers in $100M-$1B

Top Strengths (3 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.89%
#1 of 2654 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.64%
#1 of 2664 Top 0.1% in $100M-$1B
607
Non-Interest Income / Assets
revenue_mix
Value: 0.16%
Peer Median: 0.28%
#607 of 2664 Top 22.7% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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