# CITIZENS BANK OF ADA
ADA, OK · FDIC certificate 19679 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $353.7M | |
| Deposits | $310.7M | |
| Loans and leases | $191.1M | |
| Total equity | $32.6M | |
| Loans / deposits | 60.76% (p13 of band) | 82.04% |
| Liquid assets / assets | 44.91% (p88 of band) | |
| Uninsured deposits / deposits | 27.70% (p57 of band) | 25.97% |
| Brokered deposits | 4.99% | |
| Wholesale funding | 6.83% (p66 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.50% (p23 of band) | 10.81% |
| Unrealized securities loss / equity | -4.15% (p67 of band) | -8.10% |
| AOCI / equity | -2.94% (p3 of band) | |
| ROA (annualized) | 1.81% (p80 of band) | 1.28% |
| Net interest margin | 4.35% (p75 of band) | 3.91% |
| Efficiency ratio | 62.39% (p53 of band) | |
| Noncurrent loans | 0.68% (p62 of band) | 0.43% |
| Net charge-offs (annualized) | -0.01% (p10 of band) | |
| Reserve coverage of noncurrent | 178.94% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 22.41% (p28 of band) | |
| Auto loans | $4.4M (2.32% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 10.6% | |
| Employees | 65 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | reserve under noncurrent |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 1 |  | capital falling |
| 2012-12 | 1 |  |  |
| 2013-03 | 3 | deposits shrinking, assets shrinking |  |
| 2013-06 | 3 |  |  |
| 2013-09 | 1 |  | deposits shrinking, assets shrinking |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | capital falling |  |
| 2014-06 | 0 |  | reserve under noncurrent, capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 2 | reserve under noncurrent, assets shrinking |  |
| 2018-03 | 3 | capital falling, charge-offs p90 | assets shrinking |
| 2018-06 | 1 |  | reserve under noncurrent, capital falling |
| 2018-09 | 3 | deposits shrinking, uninsured deposits leaving |  |
| 2018-12 | 1 |  | deposits shrinking, uninsured deposits leaving |
| 2019-03 | 1 | capital falling | charge-offs p90 |
| 2019-06 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving | capital falling |
| 2019-09 | 1 |  | assets shrinking, uninsured deposits leaving |
| 2019-12 | 0 |  | deposits shrinking |
| 2020-03 | 1 | reserve under noncurrent |  |
| 2020-06 | 3 | expense ratio p90, charge-offs p90 |  |
| 2020-09 | 2 | capital falling | expense ratio p90, charge-offs p90 |
| 2020-12 | 3 | noncurrent p90 |  |
| 2021-03 | 2 |  | noncurrent p90 |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 1 | charge-offs p90 | reserve under noncurrent |
| 2022-03 | 1 | capital falling | charge-offs p90 |
| 2022-06 | 1 |  |  |
| 2022-09 | 0 |  | capital falling |
| 2022-12 | 1 | expense ratio p90 |  |
| 2023-03 | 0 |  | expense ratio p90 |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2020-09-30 [Citizens Bank of Ada announces new Chairman of the Board of Directors - The Ada News](https://news.google.com/rss/articles/CBMi9AFBVV95cUxOc25iVFNxN3hCVHNTYXR3RFFPc1hvUFAyNXJLV01KVFpwU1ZZakN2Z2drRGVYck1xdE1nZDBrLXFFa2ZZN2l3SlZlRXMzUmt6WWFYcWwxV2E4emZYS2c0LXIxNHJ3RU9TcC1aX0RxOW9SUElXQnduN0hiakE2cUFNSWw3VzVkU1dJSm85Q3J6OUJ5TTdDMm1hX2RiUlVMblZrY2tkbUVyWDdPTHNCWkpUb2pTdzloWm9iMlJWY2hwTG8wcWdBcVpjWks2a3ZTS0V3czI5SEhIcDJtcVEyMVJtYjFhZ1BGTVFXTC1VdWJKSy03U21F?oc=5) · The Ada News
- 2023-05-10 [Ada man sentenced in bank robbery - KXII](https://news.google.com/rss/articles/CBMicEFVX3lxTE5BOVRIMjhYZ0hzajBLcmZKUlBweVpFaTJxc0FrUTFMYzVtT2dGLVNIN0M0Rlh5TFc0NDh0SWFjRnIzWng5LUdtV2pHWE43OV92dGhNNGFnNDYwajBPUE82aTQ0cW5XVkxYVTlyVTZkTlLSAYQBQVVfeXFMUHllZXJIR2Nwc1VJNGwySnh4SnV1eVRoUV95RjZidmZxVy0yd3pJZGNlQThqTU1xRk5xYUxORzdXdl9Zb1hPZ2h4aDZMcVpyVVV2UmhuM3RYWjJCM3JBQ1Q5NWhIMFVPTVU4bnQ5NkxULWl1dVk3Y05SOWpKQWgtcHJQMVpL?oc=5) · KXII
- 2025-06-27 [Riley E. Young Obituary Jun 27, 2025 - Criswell Funeral Home](https://news.google.com/rss/articles/CBMiWEFVX3lxTE9Fc05na3pNYW5NVnZjWG9oNE9qcVVjdWZzT1BDMnNRTk84bUljMFQ2RzlSLXhzWlRQc2JxbHRJajYxc0lZSUJxbm9mRzZRVHFBcWtQdl9HbVY?oc=5) · Criswell Funeral Home
- 2021-03-18 [Joyce M. Gentry Obituary Mar 18, 2021 - Smith & Kernke Funeral Homes & Crematory](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE9oQ29kSnF2YnJSQ0h5ckRiMHVsV3VxMVFYalRSR080Q181Skt3NWZOTFZtRG05MzNFV3NienI2MHJqRGdKUURUQzk4aHZwa1RoX0tXbUwtcWFvN1A1MHp6bmdrNzdWaDQ?oc=5) · Smith & Kernke Funeral Homes & Crematory
- 2022-06-21 [Cothran promoted to Executive Vice-President of Citizens Bank of Ada - The Ada News](https://news.google.com/rss/articles/CBMi8wFBVV95cUxQSk9OVGdVUnU0TnRSMG4xRzBFWi1rM041Y2pNWDRaNmlKN3BSV0ZBZGVneHZfX1NKeDR5LVdvaXhUUEgtcEo3MGM2NmZUZi1pT3pmQTV5eTFrdURwZ0hkY2xYRmdVWTVRdW12M3dFeDhMak5sMVA2djA2MlM4ZHBiSGR6RU1MSTNGVlNtMnpPODFJamQzSjhoVmwwQmNtLUxjR2d6YmZod3NaQ1NONGNvVXpWX2tCLWwxLVpPMWJkM0ktb2ExaUhfYXEwZTBKeGVHZFRFTURQSmk4aFZ6STJabWtKX1RKdEtUemlzeExmT3JIX3c?oc=5) · The Ada News
- 2020-03-03 [Energy consultant Cantrell becomes an author, wants to share his advice - southwestledger.news](https://news.google.com/rss/articles/CBMipAFBVV95cUxPQ1psSjVEVHJQQ3c1aDNrQzVkM2ZmWF8wejd6ZURSeTk0czJFTXd1a1ZiOC1ta014Uko5WDlPUzhSaHBha21RcWtkSkVLSTNaT01UTGR2TGtjN1hVa3daUXZqc20yUUVNek1scnlrY2hhYks1Wm1jeDQtWXhsYTlRUFA5SzdaOFp5bjZHTWhXRVAyOVBMOGRodUY1TGl1NmRkVVAzZQ?oc=5) · southwestledger.news
- 2021-03-26 [Kristen Braun Obituary (2015) - Ada, OK - Criswell Funeral Home - Ada - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxNOXlPUUE4NEl5Sk9lX3Fla3ZEOFAxR2gwX2hiOHV3bU1fV2IwTTNwMmVTOU9TMzJIWHRQbmFiczdadmNyY19haEhoVnJTNXFCVlh3c3ZwQTBOSkNsS2RKV1VMR3lkQXc0bVgxSjBrMXZSbVc2dzJvbURKOTJsUExjelBlSmc?oc=5) · legacy.com
- 2019-11-26 [Ada banker graduates from OBA Operations School - The Ada News](https://news.google.com/rss/articles/CBMi1wFBVV95cUxNRlJkUjIyUFo4dGEwZkdmQnoyR05SZ3o1SllIVUZud0h0LUVZemkyMmE2VjB2a2dKbE9EOHN4Zm9MX1FtZ25IbmRVeF9VekZ1OWw3dnV5WjBVVGVOMm9mcXVJZVdaOF9pMU1DUmVacTJBT1lmR0c4S2ZqRlY3SmxHQUxiLVd0WjRGanpoMkNTYVJVcnB4cHZ1bTVzdEQtN0ZSREw0b09TVEJFMXR2WHVhNmFRczVfU3I3TWJEV2RKNG9ZaGZhT2ZZUUFrN2d2SDRkdFVZaHhXdw?oc=5) · The Ada News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19679 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/31.json (key "19679", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide