Rooted in Southern Oklahoma.Growing with You.

Since 1978, Citizens Bank & Trust has been Ardmore’s hometown bank, offering friendly faces, trusted guidance, and big-bank services with a neighborly touch.

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Citizens Bank ad showcasing a free checking offer with basketball tickets and swag basket.

Rewards for Sharing the Love

Banking is better with friends. That’s why when you open an account or refer someone new, both of you receive a special gift as our way of saying thanks for being part of the Citizens Bank & Trust family.

Friendly Community Banking in Ardmore, OK

Citizens Bank & Trust opened its doors in Ardmore on September 18, 1978, with one mission in mind: serving neighbors with honesty, care, and trust. Decades later, that mission hasn’t changed. We may have grown into a state federal reserve bank with four branches and nine ATMs across Ardmore, but at our core, we’re still the same community-focused team that puts people first.

When you bank with us, you get the best of both worlds: the warmth of hometown service and the strength of modern financial solutions. From checking and savings accounts to home loans, business services, and secure digital tools, we’re here to make your money work for you, all without losing the personal touch that sets us apart. Whether you’re just getting started, planning for the future, or running a business, Citizens Bank & Trust is here to help you thrive.

Hometown Service, Big-Town Capability

We believe banking should feel personal. That’s why we treat every customer like a neighbor, not a number, all while still delivering the cutting-edge tools and financial resources you’d expect from a larger institution.

Here When You Need Us Most

From extended hours to easy access with 9 ATMs across Ardmore, we’re never far when you need us. Our team is here seven days a week and on most holidays, because your life doesn’t wait, and neither should your banking.

Smart Solutions for Every Stage

From your first checking account to planning for retirement, we offer financial products and guidance designed to fit your life today—and grow with you tomorrow.

Banking Services Built Around You

Locations

With four branches and nine ATMs across Ardmore, we’re always close by.

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Personal Products

From everyday checking to savings options like our kids’ club and Christmas Club accounts, we make it simple to plan for life’s moments.

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Mobile Banking

Bank on your time with our free mobile app for iOS and Android. Pay bills, transfer funds, and send or receive money; anywhere, anytime.

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Commercial Products

We’re proud to support Ardmore businesses with checking services and other financial tools designed to keep your company moving forward.

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Loans

From homes to cars, our loan team is ready to help; no appointment needed.

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Wealth Management

Plan for tomorrow with confidence. Our advisors offer thoughtful guidance for investments, retirement, and the financial milestones that matter most.

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Need Support?

We know questions and challenges don’t keep business hours; that’s why our support resources are always available to you. If you need help with email security, account prerequisites, or you’re dealing with a lost or stolen card, our team is just a click or call away. Explore the tools, guides, and quick links here to keep your banking smooth and secure.

Check Out Ardmore Clients We’ve Supported

See why generations of Ardmore families and businesses trust Citizens Bank & Trust. In their own words, our customers share the experiences that make hometown banking feel both personal and powerful.

“I prefer a bank that is small town and cares about their customers. All that online stuff is for big corporation type banks. I will say any issues I have had they have resolved and happy to be there.”

Moka B.

“Never had any issues really for them. Everyone I have interacted with for nearly a decade has been polite and helpful. Sometimes wish they have longer hours but at least have more than 1 location. ”

Cassandra W.

“They are hard workers believe it or not it’s usually all the people who just wanna talk all the time that I can’t stand in line for.”

Aver A.

About Citizens Bank & Trust

We’ve proudly served Ardmore since 1978, growing with our community while staying true to our small-town roots. Want to know our story?

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Let’s Talk Banking

Have a question, need guidance, or just want to talk things through? Our friendly team is only a call or click away, ready to provide the answers and support you deserve.

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Smart Resources for Your Financial Journey

Strong financial decisions start with the right information. That’s why we’ve gathered helpful tools and resources to guide you—whether you’re budgeting, saving, or exploring loan options. Take a few minutes to explore, and you’ll see how simple it can be to stay informed and in control.

Explore Our Financial Tools

Your Hometown Team Is Here for You

Your banking journey matters to us. Reach out anytime; we’re here to listen, support, and help you find the right financial solutions for your life.