Citizens Bank & Trust Company of Ardmore

Ardmore, OK

Rating Date

October 2025

Risk Based
Capital Ratio

Leverage
Ratio

Return On
Assets

Total
Assets

Capital

Total
Deposits

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Weiss Ratings	Citizens Bank & Trust Company of Ardmore Ardmore, OK	Click to Compare	Click to Compare	Click to Compare
Rating	C
Asset Quality Index	8.60
Capitalization Index	9.00
Liquidity Index	1.90
Profitability Index	5.90
Stability Index	5.00

Company Info	Citizens Bank & Trust Company of Ardmore Ardmore, OK	Click to Compare	Click to Compare	Click to Compare
FDIC Number	22717
Phone Number	(580) 226-4610
Website	www.citizensbt.com

Asset Quality	Citizens Bank & Trust Company of Ardmore Ardmore, OK	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	-0.19%
5-Year Asset Growth	7.93%
5-Year Charge-Offs to Average Loans	0.00%
Charge-Offs to Average Loans	0.00%
Non-Performing Assets to Assets	0.00%
Non-Performing Loans to Capital	0.00%
Non-Performing Loans to Loans	0.00%

Balance Sheet	Citizens Bank & Trust Company of Ardmore Ardmore, OK	Click to Compare	Click to Compare	Click to Compare
Total Assets	318.09M
Total Deposits	267.60M

Capital and Reserves	Citizens Bank & Trust Company of Ardmore Ardmore, OK	Click to Compare	Click to Compare	Click to Compare
Capital	29.25M
Leverage Ratio	10.42
Loan Loss Reserves to Loans	1.01%
Risk-Based Capital Ratio	17.71

Liquidity	Citizens Bank & Trust Company of Ardmore Ardmore, OK	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	21.11%
Liquidity Ratio	26.99%

Profitability	Citizens Bank & Trust Company of Ardmore Ardmore, OK	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	1.08%
Net Income	3.75M
Net Interest Spread	3.41%
Operating Profit to Average Assets	1.54%
Overhead Efficiency Ratio	60.60%
Return on Assets	1.54%
Return on Equity	18.93%