BlastPoint's Banking Scorecard
Citizens Bank and Trust Company of Ardmore
Micro
Specialty: Commercial
OK
FDIC cert 22717
Designations: ✓ Community bank
Ardmore, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
Citizens Bank and Trust Company of Ardmore demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$320.3M
+2.4% YoY
+0.7% QoQ
|
+$102.8M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
76% |
| Total Loans ? |
$201.6M
+4.1% YoY
+0.2% QoQ
|
+$62.4M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
75% |
| Total Deposits ? |
$272.8M
+1.3% YoY
+2.0% QoQ
|
+$89.2M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
76% |
| Return on Assets ? |
1.59%
+25.0% YoY
+1.0% QoQ
|
+0.50% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
78% |
| Net Interest Margin ? |
3.52%
+8.3% YoY
+0.7% QoQ
|
-0.33% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
35% |
| Efficiency Ratio ? |
60.32%
-5.9% YoY
-0.5% QoQ
|
-7.41% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
66% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
73.90%
+2.7% YoY
-1.7% QoQ
|
-0.63% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
55% |
| Non-Interest-Bearing Deposit Share ? |
24.42%
+7.4% YoY
+1.0% QoQ
|
+2.02% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
61% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
16.08%
+1.6% YoY
-3.7% QoQ
|
+7.23% |
8.85%
-3.4% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
77% |
| Non-Interest Income / Assets ? |
0.71%
+11.4% YoY
+30.6% QoQ
|
+0.15% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
83% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
83
83th pctile
Non-Interest Income / Assets
Current: 0.71% · Tier avg: 0.56%
78
78th pctile
Return on Assets
Current: 1.59% · Tier avg: 1.08%
77
77th pctile
Tier 1 Capital Ratio
Current: 16.08% · Tier avg: 8.85%
76
76th pctile
Total Assets
Current: $320.3M · Tier avg: $217.5M
76
76th pctile
Total Deposits
Current: $272.8M · Tier avg: $183.7M
75
75th pctile
Total Loans
Current: $201.6M · Tier avg: $139.2M
66
66th pctile
Efficiency Ratio
Current: 60.32% · Tier avg: 67.73%
61
61th pctile
Non-Interest-Bearing Deposit Share
Current: 24.42% · Tier avg: 22.39%
55
55th pctile
Loan-to-Deposit Ratio
Current: 73.90% · Tier avg: 74.53%
35
35th pctile
Net Interest Margin
Current: 3.52% · Tier avg: 3.85%
Top Weaknesses
35
35th pctile
Net Interest Margin
Current: 3.52% · Tier avg: 3.85%
55
55th pctile
Loan-to-Deposit Ratio
Current: 73.90% · Tier avg: 74.53%
61
61th pctile
Non-Interest-Bearing Deposit Share
Current: 24.42% · Tier avg: 22.39%
66
66th pctile
Efficiency Ratio
Current: 60.32% · Tier avg: 67.73%
75
75th pctile
Total Loans
Current: $201.6M · Tier avg: $139.2M
76
76th pctile
Total Deposits
Current: $272.8M · Tier avg: $183.7M
76
76th pctile
Total Assets
Current: $320.3M · Tier avg: $217.5M
77
77th pctile
Tier 1 Capital Ratio
Current: 16.08% · Tier avg: 8.85%
78
78th pctile
Return on Assets
Current: 1.59% · Tier avg: 1.08%
83
83th pctile
Non-Interest Income / Assets
Current: 0.71% · Tier avg: 0.56%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%