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
Unfavorable gap of $12.4M · efficiency ratio beats 24% of banks under $1B in assets in the Oklahoma City, OK area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.54% | 0.60% | 0.90% | 1.27% | Beats 12% | 22 / 25 | | |
| Return on Equity | 6.92% | 6.92% | 9.16% | 13.29% | Beats 24% | 19 / 25 | | |
| Net Interest Margin | 3.82% | 3.56% | 3.82% | 4.10% | Beats 48% | 13 / 25 | | |
| Efficiency Ratio | 79.43% | 56.35% | 63.12% | 79.22% | Beats 24% | 20 / 25 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.63% | 0.33% | 0.76% | 2.35% | Beats 60% | 11 / 25 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.05% | Beats 52% | 13 / 25 | | |
| Capital |
| Tier 1 Capital Ratio | 11.18% | 10.27% | 12.02% | 13.99% | Beats 32% | 17 / 25 | | |
| Total Risk-Based Capital Ratio | 12.22% | 10.27% | 12.44% | 15.25% | Beats 44% | 14 / 25 | | |
| Equity / Assets | 7.81% | 8.64% | 10.07% | 11.05% | Beats 8% | 23 / 25 | | |
| Liquidity & Funding |
| Loans / Deposits | 97.03% | 70.71% | 82.03% | 97.03% | 72nd pctl | 7 / 25 | | |
| Loans / Assets | 87.03% | 62.67% | 74.54% | 84.24% | 88th pctl | 3 / 25 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |