PackageTrendsPeer
Letter portraitLegal landscape

Citizens Bank of Edmond, The

Edmond, OK · Cert 4084 · Citizens Bancshares Inc. Esop

State charter, Fed member · FED · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Oklahoma City, OK area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the Oklahoma City, OK area (n=25). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

28

Q2 2024Q2 2026peer median (50)

Asset Quality

56

Q2 2024Q2 2026peer median (50)

Profitability

28

Q2 2024Q2 2026peer median (50)

Liquidity

31

Q2 2024Q2 2026peer median

Efficiency

24

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Citizens Bank of Edmond, The

Edmond, OK · Cert 4084 · Citizens Bancshares Inc. Esop

State charter, Fed member · FED · 2 branches

Q2 2026

$432.4MAssets
$376.3MLoans
$387.8MDeposits
$33.8MEquity
Loan mix
93%RE $327.0M7%C&I $25.6M0%Consumer $0.8MQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $304.2M22%Noninterest $83.6MQ2 2025Q2 2026

NIM

5.24%Q2 ’245.70%Q2 ’255.59%Q2 ’26+8%-3%

Non-interest income vs. expense

3.45%Q2 ’243.55%Q2 ’253.66%Q2 ’26+9%-9%

Market Position · Oklahoma City, OK · 2026 SOD (annual) · 0.6% share · #29 of 71 inst. · $0.4B of $60.8B

Executive Summary

  • Earnings: ROA of 0.54%, down 4 bps year over year; NIM at 3.82%.
  • Asset quality: problem loans at 0.63% of loans (+23 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.50%, down 14 bps from a year ago.
  • Funding: loans stand at 97.03% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.54%-4 bps YoY

Net Interest Margin (YTD, annualized)

3.82%-11 bps YoY

Efficiency Ratio (YTD, annualized)

79.43%-260 bps YoY

Tier 1 Leverage Ratio

8.50%-14 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.59%0.60%0.73%-0.37%0.54%-4 bps
Return on Equity8.00%8.08%9.82%-5.04%7.19%-80 bps
Net Interest Margin3.94%4.00%4.02%3.88%3.82%-11 bps
Efficiency Ratio82.03%81.89%78.41%97.13%79.43%-260 bps
Non-Interest Burden3.16%3.20%3.05%3.75%2.87%-29 bps
Growth
Asset Growth (YoY)6.87%3.05%2.81%6.42%3.72%-315 bps
Loan Growth (YoY)10.99%3.51%2.22%4.68%6.73%-426 bps
Deposit Growth (YoY)7.35%6.12%10.05%6.66%2.34%-500 bps
Asset Quality
Nonperforming Loans / Loans0.39%0.68%0.68%0.69%0.63%+23 bps
Net Charge-Offs / Loans0.01%0.00%0.01%0.01%0.00%0 bps
Allowance / Loans0.95%0.98%0.97%0.94%0.89%-6 bps
Allowance Coverage of NPLs2.4x1.4x1.4x1.4x1.4x-1.0x
Capital
Tier 1 Leverage Ratio8.63%8.79%8.94%8.34%8.50%-14 bps
Total Risk-Based Capital11.59%12.05%12.40%11.82%12.22%+63 bps
Equity / Assets7.32%7.50%7.76%7.10%7.81%+49 bps
Liquidity & Funding
Loans / Deposits93.04%91.78%91.14%88.85%97.03%+399 bps
Liquid Assets / Assets8.53%9.89%10.31%12.57%6.35%-218 bps
CRE / Total Capitaln/a530%512%530%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Citizens Bank of Edmond, The

Edmond, OK · Cert 4084 · Peer group: banks under $1B in assets in the Oklahoma City, OK area (n=25) · Citizens Bancshares Inc. Esop

State charter, Fed member · FED · 2 branches

Q2 2026

$432.4MAssets
$376.3MLoans
$387.8MDeposits
$33.8MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 60% of banks under $1B in assets in the Oklahoma City, OK area (rank 11 of 25).
  • Widest gap: equity / assets trails 92% of banks under $1B in assets in the Oklahoma City, OK area (rank 23 of 25).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.54%

Rank 22 of 25

Net Interest Margin

3.82%

Rank 13 of 25

Efficiency Ratio

79.43%

Rank 20 of 25

Equity / Assets

7.81%

Rank 23 of 25

Non-interest income vs. expense

$3.4M$15.9MINCOMEEXPENSE
Unfavorable gap of $12.4M · efficiency ratio beats 24% of banks under $1B in assets in the Oklahoma City, OK area
Bank 79.43%Peer median 63.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.54%0.60%0.90%1.27%Beats 12%22 / 25
Return on Equity6.92%6.92%9.16%13.29%Beats 24%19 / 25
Net Interest Margin3.82%3.56%3.82%4.10%Beats 48%13 / 25
Efficiency Ratio79.43%56.35%63.12%79.22%Beats 24%20 / 25
Asset Quality
Nonperforming Loans / Loans0.63%0.33%0.76%2.35%Beats 60%11 / 25
Net Charge-Offs / Loans0.00%n/a0.00%0.05%Beats 52%13 / 25
Capital
Tier 1 Capital Ratio11.18%10.27%12.02%13.99%Beats 32%17 / 25
Total Risk-Based Capital Ratio12.22%10.27%12.44%15.25%Beats 44%14 / 25
Equity / Assets7.81%8.64%10.07%11.05%Beats 8%23 / 25
Liquidity & Funding
Loans / Deposits97.03%70.71%82.03%97.03%72nd pctl7 / 25
Loans / Assets87.03%62.67%74.54%84.24%88th pctl3 / 25
Brokered Deposits / Depositsn/aNot reported for this institution