PackageTrendsPeer
Letter portraitLegal landscape

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

$0.3M$2.4MINCOMEEXPENSE
Unfavorable gap of $2.1M · efficiency ratio beats 90% of banks under $1B in assets in MO
Bank 43.58%Peer median 58.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets2.08%0.96%1.32%1.75%Beats 90%8 / 83
Return on Equity14.67%9.66%12.96%15.76%Beats 67%27 / 83
Net Interest Margin4.89%3.35%3.85%4.16%Beats 92%7 / 83
Efficiency Ratio43.58%49.83%58.83%68.51%Beats 90%9 / 83
Asset Quality
Nonperforming Loans / Loans1.45%0.08%0.51%1.01%Beats 17%69 / 82
Net Charge-Offs / Loans0.00%0.00%0.01%0.06%Beats 100%12 / 82
Capital
Tier 1 Capital Ratio14.49%11.01%12.49%14.98%Beats 69%26 / 83
Total Risk-Based Capital Ratio14.49%11.13%13.01%15.10%Beats 64%30 / 83
Equity / Assets14.21%8.83%10.71%13.29%Beats 83%14 / 83
Liquidity & Funding
Loans / Deposits85.75%69.28%83.22%91.21%56th pctl36 / 82
Loans / Assets73.04%59.34%71.15%78.36%54th pctl38 / 83
Brokered Deposits / Depositsn/aNot reported for this institution