Citizens Bank and Trust Company of Ardmore: how it compares with its peers
Against 70 OK banks with half to twice its assets, Citizens Bank and Trust Company of Ardmore's strongest measure in Q2 2026 is assets per employee ($6.9M vs. a $6.4M peer median). Its weakest relative measure is net interest margin (3.63% vs. 4.22%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.59% | 1.44% | Middle third Ahead of 54% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.63% | 4.22% | Bottom third Ahead of 17% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 60.88% | 61.19% | Middle third Ahead of 51% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.9M | $6.4M | Middle third Ahead of 61% of peers |
| Loans to deposits Net loans and leases over total deposits. | 78.06% | 76.11% | Context |
What it means for lending operations
Its efficiency ratio of 60.88% is better than the 61.19% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- First Bethany Bank & Trust Bethany, OK · $317M
- Patrons Bank, National Association Okmulgee, OK · $314M
- The Payne County Bank Perkins, OK · $313M
- American Bank and Trust Company Tulsa, OK · $324M
- The Bankers Bank Oklahoma City, OK · $311M
Questions about Citizens Bank and Trust Company of Ardmore
How big is Citizens Bank and Trust Company of Ardmore?
Citizens Bank and Trust Company of Ardmore, established in 1978, is headquartered in Ardmore, OK. It reported $319M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Citizens Bank and Trust Company of Ardmore's return on assets?
1.59% annualized in Q2 2026, against a 1.44% median for 70 OK banks with half to twice its assets, ahead of 54% of them.
What is Citizens Bank and Trust Company of Ardmore's efficiency ratio?
60.88% in Q2 2026: it spent about 61 cents in noninterest expense for each dollar of revenue. The peer median is 61.19%, and lower is better.
Is Citizens Bank and Trust Company of Ardmore growing its loans?
Net loans grew 5.6% over the year to Q2 2026, while deposits shrank 0.9%.
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.