Citizens Bank and Trust Company of Ardmore

Citizens Bank and Trust Company of Ardmore is a community commercial bank headquartered in Ardmore, Oklahoma, founded in 1978. It operates four local branches and serves businesses primarily in the Ardmore area. For small-business borrowers, the bank offers a practical range of commercial products: lines of credit, term loans, commercial real estate financing, construction finance, and equipment finance. As a community institution, it appears well suited for local businesses that prefer a relationship-banking approach over an online-only lender. Specific rates, fees, and qualification requirements are not publicly disclosed, so prospective borrowers will need to contact the bank directly to understand eligibility and pricing.