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Citizens Bank of Edina, The

Edina, MO · Cert 12457 · 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
Loan mix
76%RE $33.4M17%C&I $7.5M6%Consumer $2.8MQ3 2024Q2 2026
Deposit mix
70%Interest-bearing $63.5M30%Noninterest $27.4MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 2.11%, down 44 bps year over year; NIM at 4.89%.
  • Asset quality: problem loans at 1.45% of loans (+130 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 14.49%, up 127 bps from a year ago.
  • Funding: loans stand at 85.75% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

2.11%-44 bps YoY

Net Interest Margin (YTD, annualized)

4.89%-1 bps YoY

Efficiency Ratio (YTD, annualized)

43.58%+1,017 bps YoY

Tier 1 Leverage Ratio

14.49%+127 bps YoY

NIM

5.99%Q2 ’246.06%Q2 ’255.99%Q2 ’26+2%0%

Non-interest income vs. expense

1.62%Q2 ’241.71%Q2 ’252.24%Q2 ’26+8%+34%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.64%2.60%2.41%2.56%2.56%2.57%1.99%2.11%-44 bps
Return on Equity21.58%21.15%19.17%20.02%19.47%19.36%14.15%14.95%-507 bps
Net Interest Margin4.84%4.73%4.81%4.90%5.05%5.02%4.79%4.89%-1 bps
Efficiency Ratio31.85%32.53%35.37%33.41%33.83%34.29%47.85%43.58%+1,017 bps
Non-Interest Burden1.37%1.37%1.53%1.48%1.54%1.54%2.16%1.99%+51 bps
Growth
Asset Growth (YoY)6.76%5.39%10.78%5.50%1.90%2.49%-1.20%2.33%-317 bps
Loan Growth (YoY)5.64%9.36%7.69%5.23%-0.60%2.11%6.02%11.82%+659 bps
Deposit Growth (YoY)5.14%4.04%10.12%4.24%0.28%0.91%-2.85%1.16%-308 bps
Asset Quality
Nonperforming Loans / Loans0.11%0.67%0.01%0.15%0.11%0.04%0.02%1.45%+130 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.42%1.34%1.43%1.39%1.49%1.37%1.37%1.34%-6 bps
Allowance Coverage of NPLs13.2x2.0x107.8x9.1x13.0x36.7x70.7x0.9x-8.1x
Capital
Tier 1 Leverage Ratio12.78%12.76%12.78%13.22%14.07%14.50%14.18%14.49%+127 bps
Total Risk-Based Capital12.78%12.76%12.78%13.22%14.07%14.50%14.18%14.49%+127 bps
Equity / Assets12.87%12.51%12.62%13.17%14.30%13.87%14.30%14.21%+104 bps
Liquidity & Funding
Loans / Deposits79.40%79.32%74.68%77.57%78.69%80.27%81.50%85.75%+818 bps
Liquid Assets / Assets12.51%11.23%10.81%10.73%11.60%11.69%12.14%11.87%+114 bps
CRE / Total Capitaln/an/an/an/a46.08%46.95%46.47%n/an/a