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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Ardmore, OK · FDIC certificate #22717
CITIZENS B&T CO OF ARDMORE is an FDIC-insured institution based in Ardmore, OK (FDIC certificate #22717). In its Q3 2026 Call Report it reported total assets of $317M, total deposits of $267M and net loans of $212M. Its primary federal regulator is FED.
Plain-language readout
CITIZENS B&T CO OF ARDMORE has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $323M in Q1 2026 and were lowest at $317M in Q3 2026.
Total deposits were highest at $274M in Q1 2026 and lowest at $267M in Q3 2026.
Over the whole period total assets fell 1.7%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $317M | $267M | $212M | 1.63% | 17.53% | 3.72% |
| Q2 2026 | $319M | $269M | $210M | 1.59% | 17.24% | 3.63% |
| Q1 2026 | $323M | $274M | $206M | 1.56% | 17.21% | 3.58% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $9.8M | $17.5M | -$7.7M | -44.1% |
| Federal funds sold | $362K | $0K | +$362K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $87.3M | $88.3M | -$978K | -1.1% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $209.9M | $205.8M | +$4.1M | +2.0% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $1.4M | $1.3M | +$70K | +5.3% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $10.1M | $10.1M | -$54K | -0.5% |
| Total assets | $318.8M | $323.0M | -$4.2M | -1.3% |
| Liabilities | ||||
| Total deposits | $268.9M | $273.7M | -$4.8M | -1.8% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $7.6M | $7.8M | -$233K | -3.0% |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $6.8M | $7.0M | -$175K | -2.5% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $5.2M | $4.9M | +$342K | +7.0% |
| Total liabilities | $288.5M | $293.4M | -$4.9M | -1.7% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $1.4M | $1.4M | $0K | 0.0% |
| Surplus | $6.6M | $6.6M | $0K | 0.0% |
| Retained earnings | $26.8M | $25.9M | +$973K | +3.8% |
| Accumulated other comprehensive income | -$4.5M | -$4.3M | -$231K | -5.4% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $30.3M | $29.6M | +$742K | +2.5% |
| Credit and capital | ||||
| Gross nonperforming assets | $0K | $0K | $0K | n/a |
| Adjusted nonperforming assets | $0K | $0K | $0K | n/a |
| Tangible equity plus allowance | $32.4M | $31.6M | +$772K | +2.4% |
| Texas ratio (gross) | 0.00% | 0.00% | 0.00 pts | See points |
| Texas ratio (adjusted) | 0.00% | 0.00% | 0.00 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.00% | 0.00% | 0.00 pts | See points |
| Tier 1 capital to risk-weighted assets | 16.44% | 16.32% | +0.11 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 16.44% | 16.32% | +0.11 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.00% | 1.00% | -0.01 pts | See points |
| Total risk-based capital to risk-weighted assets | 17.43% | 17.33% | +0.11 pts | See points |
| Tier 1 leverage (approximate) | 10.60% | 10.38% | +0.22 pts | See points |
| Construction and land loans to total capital | 54.49% | 53.86% | +0.63 pts | See points |
| Commercial real estate to total capital | 165.70% | 167.80% | -2.10 pts | See points |
| Dividend payout, year to date | 28.80% | 33.01% | -4.22 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -18.70% | -18.29% | -0.41 pts | See points |
| Liquidity | ||||
| Core deposits | $230.1M | $233.7M | -$3.6M | -1.5% |
| Non-core funding | $53.2M | $54.8M | -$1.7M | -3.0% |
| Loans to core deposits | 92.13% | 88.94% | +3.20 pts | See points |
| Loans to deposits | 78.84% | 75.93% | +2.92 pts | See points |
| Brokered deposits share of deposits | 2.23% | 2.19% | +0.04 pts | See points |
| Pledged securities share of securities | 34.84% | 35.15% | -0.31 pts | See points |
| Loans pledged, share of loans | 15.40% | 16.92% | -1.52 pts | See points |
| Volatile liabilities | $53.2M | $54.8M | -$1.7M | -3.0% |
| Earnings | ||||
| Earnings before provision, year to date | $2.6M | $1.3M | +$1.3M | +105.1% |
| Earnings before provision, single quarter | $1.3M | $1.3M | +$64K | +5.1% |
| Provision for credit losses, year to date | $40K | $8K | +$32K | +400.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.44% | 6.38% | +0.06 pts | See points |
| Yield on interest-bearing balances due from banks | 2.29% | 0.85% | +1.44 pts | See points |
| Total interest income to average assets | 4.74% | 4.71% | +0.03 pts | See points |
| Cost of interest-bearing transaction accounts | 0.93% | 1.00% | -0.06 pts | See points |
| Cost of savings and money market deposits | 0.14% | 0.09% | +0.05 pts | See points |
| Cost of time deposits | 3.18% | 3.15% | +0.03 pts | See points |
| Total interest expense to average assets | 1.32% | 1.33% | -0.01 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $317M | $267M | $212M | 1.63% | 17.53% | 3.72% |
| 2026-06-30 | $319M | $269M | $210M | 1.59% | 17.24% | 3.63% |
| 2026-03-31 | $323M | $274M | $206M | 1.56% | 17.21% | 3.58% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| OK | $271.4M | 0.19% | 87 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.