Citizens Bank and Trust Company of Ardmore
Ardmore, OK · Owner: Citizens Commerce Corp
$319M
total assets, June 30, 2026
$319M
total assets, June 30, 2026
Citizens Bank and Trust Company of Ardmore is a state member bank based in Ardmore, OK, owned by Citizens Commerce Corp. As of June 30, 2026 it held $318.8 million in assets and $268.9 million in deposits; assets were down 0.9% from a year before. It has 4 branches.
Updated Oct 11, 2026 · numbers as of June 30, 2026
Total assets
$319M
-0.9% in a year · -1.3% in a quarter
Deposits
$269M
-0.9% in a year · -1.8% in a quarter
Loans
$212M
+5.6% in a year · +2.0% in a quarter
Profit so far
$2.5M
Jan 1 to Jun 30, 2026 · +2.5% in a year
Capital ratio
10.60%
+0.58 pts in a year
Return on assets
1.58%
+0.02 pts in a year
Facts
- Type
- State member bank
- Head office
- 1100 N Commerce St, Ardmore, OK, 73401
- County
- Carter
- Holding company
- Citizens Commerce Corp
- Established
- Sep 18, 1978
- Employees
- 46
- Branches
- 4
- Website
- www.bankcitizens.bank
- Id
- b22717
Quarter by quarter
March 31, 1984 to June 30, 2026
Assets, deposits and loans
Each quarter end, US dollars
Profit by quarter
Net income of each quarter, the last 12
Ratios
Percent. Return on assets and net interest margin are yearly rates.
Branches
4 offices as of June 30, 2026, holding $268.9 million in deposits
Branch map
Every branch, sized by its deposits
| State | Branches | Deposits | Share |
|---|---|---|---|
| Oklahoma | 4 | $269M | 100.0% |
| Largest branches | Place | Deposits |
|---|---|---|
| Citizens Bank And Trust Company Of Ardmore (main office) | Ardmore, OK | $212M |
| Downtown Branch | Ardmore, OK | $37.6M |
| Wal Mart Branch | Ardmore, OK | $10.8M |
| Dickson Branch | Ardmore, OK | $8.1M |
Related pages
Questions and answers
How big is Citizens Bank and Trust Company of Ardmore?
$318.8 million in total assets and $268.9 million in deposits as of June 30, 2026, with assets down 0.9% from a year before. Its loans were $212.0 million.
How many branches does Citizens Bank and Trust Company of Ardmore have?
4 branches in Oklahoma as of June 30, 2026.
Is Citizens Bank and Trust Company of Ardmore profitable?
Yes: it earned $2.54 million from January 1 to June 30, 2026 (up 2.5% from the same months a year before). Its return on assets was 1.58% a year; about 1% is typical.
Who owns Citizens Bank and Trust Company of Ardmore?
Citizens Bank and Trust Company of Ardmore is owned by Citizens Commerce Corp, its holding company.
Official public data from the reports every insured bank files each quarter. Profit so far runs from January 1 to the quarter end. Branch deposits are counted once a year, as of June 30. New quarters appear about two months after the quarter ends.