Citizens Bank of Ada
Ada, OK · Cert 19679 · Peer group: banks under $1B in assets in OK (n=88-89) · Citizensada Financial Corp.
State charter, non-member · FDIC · 3 branches
Q2 2026
$353.7MAssets
$191.1MLoans
$310.7MDeposits
$32.6MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in OK (rank 15 of 88).
- Widest gap: total risk-based capital ratio trails 96% of banks under $1B in assets in OK (rank 85 of 89).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.39%
Rank 33 of 89
Net Interest Margin
4.11%
Rank 37 of 89
Efficiency Ratio
62.39%
Rank 49 of 89
Equity / Assets
9.21%
Rank 69 of 89
Non-interest income vs. expense
Unfavorable gap of $8.1M · efficiency ratio beats 46% of banks under $1B in assets in OK | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.39% | 0.85% | 1.26% | 1.60% | Beats 63% | 33 / 89 | | |
| Return on Equity | 15.05% | 7.40% | 11.89% | 14.65% | Beats 78% | 20 / 89 | | |
| Net Interest Margin | 4.11% | 3.46% | 3.93% | 4.45% | Beats 58% | 37 / 89 | | |
| Efficiency Ratio | 62.39% | 54.70% | 60.95% | 71.14% | Beats 46% | 49 / 89 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.68% | 0.30% | 0.82% | 2.25% | Beats 55% | 41 / 88 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.03% | 0.20% | Beats 100% | 15 / 88 | | |
| Capital |
| Tier 1 Capital Ratio | 9.50% | 10.89% | 13.00% | 16.33% | Beats 4% | 85 / 89 | | |
| Total Risk-Based Capital Ratio | 9.50% | 11.20% | 13.06% | 16.33% | Beats 4% | 85 / 89 | | |
| Equity / Assets | 9.21% | 9.26% | 10.94% | 13.52% | Beats 22% | 69 / 89 | | |
| Liquidity & Funding |
| Loans / Deposits | 61.51% | 61.51% | 72.27% | 84.01% | 25th pctl | 66 / 88 | | |
| Loans / Assets | 54.03% | 52.51% | 63.15% | 71.27% | 28th pctl | 64 / 89 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |