Citizens Bank of Edina, The
Edina, MO · Cert 12457 · Peer group: banks under $1B in assets in MO (n=82-83) · R Dean Phillips Bk Tr Dated 11-19-2004
State charter, non-member · FDIC · 6 affiliate banks · 1 branch (43 in holding)
Q2 2026
$106.7MAssets
$77.9MLoans
$90.9MDeposits
$15.2MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in MO (rank 12 of 82).
- Widest gap: nonperforming loans / loans trails 83% of banks under $1B in assets in MO (rank 69 of 82).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
2.08%
Rank 8 of 83
Net Interest Margin
4.89%
Rank 7 of 83
Efficiency Ratio
43.58%
Rank 9 of 83
Equity / Assets
14.21%
Rank 14 of 83
Non-interest income vs. expense
Unfavorable gap of $2.1M · efficiency ratio beats 90% of banks under $1B in assets in MO | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.08% | 0.96% | 1.32% | 1.75% | Beats 90% | 8 / 83 | |
| Return on Equity | 14.67% | 9.66% | 12.96% | 15.76% | Beats 67% | 27 / 83 | |
| Net Interest Margin | 4.89% | 3.35% | 3.85% | 4.16% | Beats 92% | 7 / 83 | |
| Efficiency Ratio | 43.58% | 49.83% | 58.83% | 68.51% | Beats 90% | 9 / 83 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.45% | 0.08% | 0.51% | 1.01% | Beats 17% | 69 / 82 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 100% | 12 / 82 | |
| Capital |
| Tier 1 Capital Ratio | 14.49% | 11.01% | 12.49% | 14.98% | Beats 69% | 26 / 83 | |
| Total Risk-Based Capital Ratio | 14.49% | 11.13% | 13.01% | 15.10% | Beats 64% | 30 / 83 | |
| Equity / Assets | 14.21% | 8.83% | 10.71% | 13.29% | Beats 83% | 14 / 83 | |
| Liquidity & Funding |
| Loans / Deposits | 85.75% | 69.28% | 83.22% | 91.21% | 56th pctl | 36 / 82 | |
| Loans / Assets | 73.04% | 59.34% | 71.15% | 78.36% | 54th pctl | 38 / 83 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |