Edmond, OK · Cert 4084 · Citizens Bancshares Inc. Esop
State charter, Fed member · FED · 2 branches
Q2 2026
Market Position · Oklahoma City, OK · 2026 SOD (annual) · 0.6% share · #29 of 71 inst. · $0.4B of $60.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.58% | 0.33% | 0.50% | 0.68% | 0.61% | 1.13% | -0.37% | 1.44% | +76 bps | |
| Return on Equity | 7.54% | 4.43% | 6.77% | 9.23% | 8.24% | 14.86% | -5.04% | 19.30% | +1,007 bps | |
| Net Interest Margin | 3.99% | 4.03% | 3.85% | 4.10% | 4.05% | 4.20% | 3.88% | 3.97% | -13 bps | |
| Efficiency Ratio | 82.36% | 81.82% | 84.27% | 79.95% | 81.63% | 69.06% | 97.13% | 65.54% | -1,441 bps | |
| Non-Interest Burden | 3.20% | 3.22% | 3.18% | 3.20% | 3.23% | 2.69% | 3.75% | 2.19% | -101 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.85% | 5.83% | 9.60% | 6.87% | 3.05% | 2.81% | 6.42% | 3.72% | -315 bps | |
| Loan Growth (YoY) | 4.90% | 6.16% | 9.36% | 10.99% | 3.51% | 2.22% | 4.68% | 6.73% | -426 bps | |
| Deposit Growth (YoY) | 11.97% | 6.18% | 10.84% | 7.35% | 6.12% | 10.05% | 6.66% | 2.34% | -500 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.42% | 0.41% | 0.41% | 0.39% | 0.68% | 0.68% | 0.69% | 0.63% | +23 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | 0.01% | 0.00% | 0.00% | 0.01% | 0.01% | 0.00% | -1 bps | |
| Allowance / Loans | 0.92% | 1.00% | 0.99% | 0.95% | 0.98% | 0.97% | 0.94% | 0.89% | -6 bps | |
| Allowance Coverage of NPLs | 2.2x | 2.4x | 2.4x | 2.4x | 1.4x | 1.4x | 1.4x | 1.4x | -1.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.22% | 8.92% | 8.74% | 8.63% | 8.79% | 8.94% | 8.34% | 8.50% | -14 bps | |
| Total Risk-Based Capital | 9.22% | 12.02% | 12.07% | 11.59% | 12.05% | 12.40% | 11.82% | 12.22% | +63 bps | |
| Equity / Assets | 7.58% | 7.41% | 7.32% | 7.32% | 7.50% | 7.76% | 7.10% | 7.81% | +49 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.10% | 98.13% | 90.54% | 93.04% | 91.78% | 91.14% | 88.85% | 97.03% | +399 bps | |
| Liquid Assets / Assets | 10.58% | 9.34% | 10.43% | 8.53% | 9.89% | 10.31% | 12.57% | 6.35% | -218 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 530% | 512% | 530% | n/a | n/a | |