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 Citizens Bank and Trust Company of Ardmore
Citizens Bank and Trust Company of Ardmore
| RSSD ID 255556 | CERTIFICATE 22717 | ABA NUMBER 103102274 |
| 1100 N Commerce St |
Quarter Ended : |
2025-09-30 |
| Ardmore, Oklahoma, 73401 |
Updated : |
2025-11-06 |
| www.citizensbt.com |
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| Institution Profile |
| Year Opened : |
1978 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FED |
| Member Federal Reserve : |
Yes |
S-Corp : |
Yes |
| Fiduciary Powers : |
Yes |
Powers Exercised : |
Yes |
| Filing Type : |
051 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
4 |
Number of Employees : |
46 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 318,089 |
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Total Interest Income | 11,318 |
| Total Liabilities | 288,842 |
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Total NonInterest Income | 1,732 |
| Total Bank Equity Capital | 29,247 |
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Total Interest Expense | 3,406 |
| Total Deposits | 267,600 |
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Total NonInterest Expense | 5,844 |
| Net Loans & Leases | 201,199 |
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Net Income | 3,750 |
| Loan Loss Allowance | 2,046 |
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Net Charge Offs | (1) |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 35,802 |
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Total loans | 202,961 |
| Total assets for the leverage ratio | 323,911 |
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Loans secured by real estate: | 180,464 |
| Tier 1 Leverage Ratio | 10.42 |
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Commercial and industrial loans | 10,493 |
| Tier 1 Capital Ratio | 16.7 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 17.71 |
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Loans to individuals - Other | 11,618 |
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:· Citizens Bank and Trust Company of Ardmore
