Citizens Bank of Ada: how it compares with its peers
Against 70 OK banks with half to twice its assets, Citizens Bank of Ada's strongest measure in Q2 2026 is return on assets (1.81% vs. a 1.42% peer median). Its weakest relative measure is assets per employee ($5.4M vs. $6.4M).
| Measure | Citizens Bank of Ada | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.81% | 1.42% | Top third Ahead of 74% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.35% | 4.19% | Middle third Ahead of 61% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 62.39% | 61.45% | Middle third Ahead of 49% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.4M | $6.4M | Bottom third Ahead of 33% of peers |
| Loans to deposits Net loans and leases over total deposits. | 60.76% | 76.11% | Context |
What it means for lending operations
Its efficiency ratio of 62.39% is above the 61.45% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Frazer Bank Altus, OK · $354M
- Sooner State Bank Tuttle, OK · $355M
- The Pauls Valley National Bank Pauls Valley, OK · $357M
- Cowboy Bank Kremlin, OK · $350M
- The First Security Bank Beaver, OK · $335M
- Bank of Commerce Duncan, OK · $334M
Questions about Citizens Bank of Ada
How big is Citizens Bank of Ada?
Citizens Bank of Ada, established in 1967, is headquartered in Ada, OK. It reported $354M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Citizens Bank of Ada's return on assets?
1.81% annualized in Q2 2026, against a 1.42% median for 70 OK banks with half to twice its assets, ahead of 74% of them.
What is Citizens Bank of Ada's efficiency ratio?
62.39% in Q2 2026: it spent about 62 cents in noninterest expense for each dollar of revenue. The peer median is 61.45%, and lower is better.
Is Citizens Bank of Ada growing its loans?
Net loans grew 6.1% over the year to Q2 2026, while deposits grew 10.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are OK banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Oklahoma bank ranked.