The Citizens Bank of Edmond
Total assets
$432.4M
▲ +3.7% YoY
Deposits
$387.8M
▲ +2.3% YoY
Loans
$372.9M
▲ +6.8% YoY
Offices
2
CITIZENS BANCSHARES INC ESOP
ROA (annualized)
0.54%
peers 1.24%
ROE (annualized)
7.19%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.7% | +4.4% | -0.6 pts |
| Deposit growth (YoY) | +2.3% | +4.0% | -1.6 pts |
| Loan growth (YoY) | +6.8% | +5.6% | +1.2 pts |
| ROA | 0.54% | 1.24% | -0.7 pts |
| ROE | 7.2% | 11.9% | -4.7 pts |
ROA ranks in the 14th percentile of its peer group · Q2 2026
Profile
- Established
- 1912
- Charter
- State
- Primary regulator
- FED
- Holding company
- CITIZENS BANCSHARES INC ESOP
- Specialization
- Commercial Lending Specialization
- Address
- 1 E 1st St, Edmond, OK, 73034
- County
- Oklahoma
- Metro area
- Oklahoma City, OK
- Offices
- 2
- FDIC cert #
- 4084
- RSSD ID
- 172457
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $432.4M | $387.8M | $372.9M | $33.8M | $1.2M | 0.54% | 4.12% | 0.54% |
| Q1 2026 | $440.0M | $401.0M | $353.0M | $31.2M | $-401K | -0.37% | 3.96% | 0.56% |
| Q4 2025 | $417.5M | $378.5M | $341.6M | $32.4M | $3.8M | 0.93% | 4.12% | 0.56% |
| Q3 2025 | $411.6M | $373.1M | $339.1M | $30.9M | $2.3M | 0.76% | 4.07% | 0.57% |
| Q2 2025 | $416.9M | $378.9M | $349.2M | $30.5M | $1.5M | 0.75% | 4.04% | 0.33% |
| Q1 2025 | $413.4M | $376.0M | $337.0M | $30.2M | $648K | 0.63% | 3.90% | 0.34% |
| Q4 2024 | $406.1M | $343.9M | $334.1M | $30.1M | $2.5M | 0.63% | 3.86% | 0.34% |
| Q3 2024 | $399.5M | $351.6M | $327.8M | $30.3M | $2.0M | 0.70% | 3.79% | 0.35% |
Loan mix (Q2 2026): real estate $347.0M · commercial $25.6M · consumer $646K · securities $4.4M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.54% | 1.24% | 14th | |
Return on equity Annualized net income ÷ equity or net worth | 7.2% | 11.9% | 23th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.12% | 3.96% | 59th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.4% | 62.9% | 85th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
Similar banks
- Exchange Bank and Trust CompanyPerry, OK · $428.7M
- The City National Bank and Trust Company of Lawton, OklahomaLawton, OK · $446.2M
- Welch State Bank of Welch, Okla.Welch, OK · $449.8M
- Watermark BankOklahoma City, OK · $450.5M
- Local BankHulbert, OK · $463.1M
- Bank of Western OklahomaElk City, OK · $469.7M
Selling to The Citizens Bank of Edmond?
See Pro plan →Peer lists, growth filters, CSV export, CRM push.