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Institution profile

Citizens Bank and Trust Company of Ardmore

Bank · Active · Headquarters: Ardmore, OK

Profile data observed August 5, 2026

Identity verified through FDIC; additional sources pendingVerification describes the US Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology

Public-record data only. Not a recommendation, lender endorsement, or rate comparison. Verify current licensing, product availability, and terms independently.

FDIC BankFind baseline

FDIC-reported identity and institutional fields from the public BankFind record. These values are not described as current or real-time.

Legal name
Citizens Bank and Trust Company of Ardmore
Display name
Citizens Bank and Trust Company of Ardmore
Institution status
Active
FDIC insured
Yes
FDIC insured since
September 18, 1978
Established date
September 18, 1978
Charter class
State-chartered commercial bank, member of the Federal Reserve System (FRS)
Primary federal regulator
Federal Reserve Board
Headquarters
Ardmore, OK, 73401, United States
Website
https://www.bankcitizens.bank
FDIC certificate number
22717
Federal Reserve RSSD ID
255556
Domestic location count
4
Source observed
August 5, 2026

Regulatory profile

Public FFIEC NIC and CRA records for this institution, presented as source-backed regulatory context rather than a score or recommendation.

Regulatory identity

Institution status
ACTIVE
Primary federal regulator
FRS
Institution type
State Member Bank
Primary activity
NAICS 52211
FDIC certificate
22717
Federal Reserve RSSD ID
255556
Headquarters
1100 North Commerce Street, Ardmore, OK, 73401, United States
Primary deposit insurer
Deposit Insurance Fund (DIF)
Source observed
August 19, 2026

Branch network

Listed locations

3

Showing 1 through 3 of 3 listed locations

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Showing 1 through 3 of 3 FFIEC NIC branch locations
BranchAddressCityStatePostal code
DOWNTOWN BRANCH10 West Main StreetArdmoreOK73401
WAL-MART BRANCH1715 North Commerce StreetArdmoreOK73401
DICKSON BRANCHHighways 177 And 199DicksonOK73401

Community Reinvestment Act (CRA)

Latest available CRA evaluation

Rating
Satisfactory
Exam date
March 16, 2026
Regulator
Federal Reserve
Examination method
Small Bank

This information reflects Community Reinvestment Act examination ratings reported by the cited official source. It is not a US Mortgage Index rating, recommendation, or assessment of the institution.

CRA evaluations are examination results from the relevant regulatory process and should be interpreted in the context of the examination date and source.

Historical CRA evaluations

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Historical CRA evaluations
Exam dateCRA ratingRegulatorExamination method
March 16, 2026SatisfactoryFederal ReserveSmall Bank
April 4, 2022SatisfactoryFederal ReserveSmall Bank
December 4, 2017SatisfactoryFederal ReserveSmall Bank
October 7, 2013SatisfactoryFederal ReserveSmall Bank
September 14, 2009SatisfactoryFederal ReserveSmall Bank
September 12, 2005SatisfactoryFederal ReserveSmall Bank
September 10, 2001SatisfactoryFederal ReserveSmall Bank
July 14, 1997SatisfactoryFederal ReserveSmall Bank

Read the methodology

FFIEC-reported organizational relationships

1 FFIEC NIC relationship record

Showing 1 of 1 relationship records

FFIEC NIC organizational relationships
RelationshipInstitutionTypeLocation
ROOT_INSTITUTIONCITIZENS BANK & TRUST COMPANY OF ARDMOREState Member BankArdmore, OK

These relationships reflect the FFIEC NIC source display and should not be interpreted as a complete legal ownership analysis.

FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.

Additional profile fields

Fields below supplement the primary source baseline and are shown only when present on the public profile.

Entity type
FDIC-insured state-chartered member bank