Citizens Bank of Ada
Total assets
$353.7M
▲ +8.7% YoY
Deposits
$310.7M
▲ +10.6% YoY
Loans
$188.8M
▲ +6.1% YoY
Offices
3
CITIZENSADA FINANCIAL CORP
ROA (annualized)
1.81%
peers 1.24%
ROE (annualized)
19.83%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | Citizens Bank of Ada | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.7% | +4.4% | +4.3 pts |
| Deposit growth (YoY) | +10.6% | +4.0% | +6.6 pts |
| Loan growth (YoY) | +6.2% | +5.6% | +0.6 pts |
| ROA | 1.81% | 1.24% | +0.6 pts |
| ROE | 19.8% | 11.9% | +8.0 pts |
ROA ranks in the 80th percentile of its peer group · Q2 2026
Profile
- Established
- 1967
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- CITIZENSADA FINANCIAL CORP
- Specialization
- All Other Under 1 Billion
- Address
- 123 W 12th St, Ada, OK, 74820
- County
- Pontotoc
- Metro area
- Ada, OK
- Offices
- 3
- FDIC cert #
- 19679
- RSSD ID
- 807656
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $353.7M | $310.7M | $188.8M | $32.6M | $3.1M | 1.81% | 4.35% | 0.37% |
| Q1 2026 | $339.4M | $295.8M | $182.3M | $31.5M | $1.4M | 1.70% | 4.35% | 0.00% |
| Q4 2025 | $343.1M | $301.0M | $179.2M | $30.4M | $6.3M | 1.92% | 4.45% | 0.00% |
| Q3 2025 | $328.5M | $282.7M | $176.0M | $32.4M | $4.6M | 1.87% | 4.45% | 0.00% |
| Q2 2025 | $325.5M | $281.0M | $177.9M | $30.1M | $2.9M | 1.81% | 4.41% | 0.00% |
| Q1 2025 | $325.7M | $280.8M | $172.2M | $28.3M | $1.4M | 1.74% | 4.38% | 0.00% |
| Q4 2024 | $328.3M | $287.0M | $173.4M | $26.0M | $5.7M | 1.84% | 4.28% | 0.00% |
| Q3 2024 | $308.3M | $260.7M | $169.0M | $28.7M | $4.2M | 1.84% | 4.26% | 0.00% |
Loan mix (Q2 2026): real estate $147.9M · commercial $34.6M · consumer $7.6M · securities $116.5M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Citizens Bank of Ada | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.81% | 1.24% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 19.8% | 11.9% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.35% | 3.96% | 71th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.4% | 62.9% | 49th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Citizens Bank of Ada | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Citizens Bank of Ada | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Citizens Bank of Ada | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Citizens Bank of Ada | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
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