SeeBITDAOklahoma

Citizens Bank & Trust Company

  • 1100 N Commerce St, Ardmore, OK
  • Since 1978
Reported revenueReported figures
$17.5M
$16.6Mlikely range$18.3M
Revenue
$17.5M
a year
Profit (EBITDA)
$5.1M
29% of revenue
Employees
—
not reported
Owner not found yet
We haven't found the owner in public records

How we got $17.5M

Based on FDIC call report (2025).

Reported revenue, FDIC call report (2025)$17.5M
× 29% profit margin$5.1M

· Own this business? Correct these figures

What we know

No PPP loan
No 401(k) filing
Reported financials
Company website
Owner not found

What they do

Citizens Bank & Trust is a community bank in Ardmore, Oklahoma, offering personal and commercial banking, loans, mobile banking and wealth management to Ardmore families and businesses.

Products & services
Personal ProductsCommercial ProductsMobile BankingLoansWealth ManagementElite Interest Checking50+ Interest CheckingSimply Free CheckingCitizens Choice CheckingKids' Savings ClubChristmas Club AccountsZelle
Markets served
Ardmore familiesArdmore businessesstudentsfamiliessmall business owners
Service area
Ardmore, OKSouthern Oklahoma
Certifications
FDIC Insurance

From the company's website. Industry: Banks & credit unions.

Compared with similar businesses nearby

BusinessEst. revenueEst. profitDistance
Citizens Bank & Trust Company
this business
$17.5M$5.1M—
First National Bank
Ardmore
$1.9M$863K0.3 mi
1NB Mortgage Center
Ardmore
$1.9M$863K0.3 mi
Bmo Bank N.a Branches
Ardmore
$19.2M$8.6M0.5 mi
Amcorp Financial Inc
Ardmore
$1.9M$863K0.6 mi
American Nation Bank
Ardmore
$42.8M$10.3M0.6 mi
BancFirst
Ardmore
$1.9M$863K0.6 mi

The full calculation

These are the business's own reported figures, from its FDIC call report, not an estimate.

Revenue range$16.6M – $18.3M
EBITDA range$4.8M – $5.3M
Industry (NAICS)Depository credit intermediation (5221)

EBITDA margin: from IRS tax returns of S corporations in this industry (2019–2022), adjusted for company size: smaller companies typically run higher margins. EBITDA here is after owners' salaries.

Benchmarks: US Economic Census 2022, OK. PPP loans were sized on 2019–2020 payroll, so figures reflect that period. These are statistical estimates, not reported financials. Listing details come from Overture Maps open data. Full methodology

People & advisors

Founded 1978

From the company's own website and public filings (DOL Form 5500, IRS Form 990, SBA). Roles are as stated there and may be out of date.

Public records

FDIC call report
Bank · owned by CITIZENS COMMERCE CORP
Revenue (2025)$17.5M
Pre-tax income$5.1M
Assets$320.3M
Deposits$272.8M
Employees42
Branches4
Established1978

Matched to this business by name and address from public government data; a match can occasionally be wrong.

About Citizens Bank & Trust Company

Citizens Bank & Trust Company is a banks & credit unions company in Ardmore, Oklahoma, in business since 1978. Its reported annual revenue is about $17.5M, with roughly $5.1M of EBITDA.

Common questions

Who owns Citizens Bank & Trust Company?
The owner of Citizens Bank & Trust Company isn't in public records we've found yet. If you own or run the business, you can add or correct its details on SeeBITDA.
How much revenue does Citizens Bank & Trust Company make?
Citizens Bank & Trust Company reported revenue of about $17.5M.
When was Citizens Bank & Trust Company founded?
Citizens Bank & Trust Company has been in business since 1978.