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Citizens Bank Of Ada
Ada, OK · FDIC Certificate #19679 · Chartered 02/2
Total assets
$353.71M
Total deposits
$310.70M
Total equity
$32.56M
Net loans
$188.79M
Branches (offices)
3
Net income (YTD)
$3.12M
Rank: #2,238 of 4,213 U.S. banks by assets · #72 of 168 in Oklahoma. Assets changed 8.7% and deposits 10.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.81% |
| Return on equity | 19.83% |
| Net interest margin (YTD) | 4.35% |
| Equity to assets | 9.21% |
| Tier 1 leverage ratio | 9.50% |
| Uninsured deposits (share of deposits) | 27.7% |
| Noncurrent loans (share of loans) | 0.68% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 60.8% |
| Real estate loans (share of loans) | 78.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $147.92M | 78.4% | |
| Commercial & industrial | $34.61M | 18.3% | |
| Consumer / individual | $7.56M | 4.0% | |
| Construction & development | $7.30M | 3.9% | |
| Agricultural | $680.00K | 0.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $281.84M | $243.69M | $606.00K | $19.81M |
| Jun 2023 | $303.05M | $264.31M | $1.79M | $20.67M |
| Jun 2024 | $307.47M | $264.99M | $2.72M | $25.12M |
| Jun 2025 | $325.53M | $281.03M | $2.95M | $30.11M |
| Jun 2026 | $353.71M | $310.70M | $3.12M | $32.56M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Oklahoma | $310.70M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $310.70M.
Similar-sized banks
The Waggoner National Bank Of Vernon ($353.74M) · United Southern Bank ($353.66M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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