Citizens Bank of Eldon (FDIC certificate #1956) is based in Eldon, Missouri. Its Q2 2026 call report shows $247.3M in total assets and $216.3M in deposits and 4 offices.
Citizens Bank of Eldon has a TellerScore of 76 out of 100 (strong) based on Q2 2026 data — higher than 64% of its 2,650 banks with $100 million – $1 billion. Among 194 banks headquartered in Missouri, it ranks 71st. Earnings contributes the most (100/100, 2.23%); capital cushion contributes the least (65/100, 11.53%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 3 points (73 → 76), mostly because the funding & liquidity component weakened by 7 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 70 |
| Q3 2024 | 70 |
| Q4 2024 | 68 |
| Q1 2025 | 72 |
| Q2 2025 | 73 |
| Q3 2025 | 74 |
| Q4 2025 | 75 |
| Q1 2026 | 75 |
| Q2 2026 | 76 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.05% |
| Q3 2024 | 11.02% |
| Q4 2024 | 10.75% |
| Q1 2025 | 10.98% |
| Q2 2025 | 11.11% |
| Q3 2025 | 11.10% |
| Q4 2025 | 10.98% |
| Q1 2026 | 11.24% |
| Q2 2026 | 11.53% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.92% |
| Q3 2024 | 0.89% |
| Q4 2024 | 1.13% |
| Q1 2025 | 1.21% |
| Q2 2025 | 1.08% |
| Q3 2025 | 1.08% |
| Q4 2025 | 0.86% |
| Q1 2026 | 0.91% |
| Q2 2026 | 0.90% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.29% |
| Q3 2024 | 1.38% |
| Q4 2024 | 1.43% |
| Q1 2025 | 1.91% |
| Q2 2025 | 1.93% |
| Q3 2025 | 2.05% |
| Q4 2025 | 2.04% |
| Q1 2026 | 2.10% |
| Q2 2026 | 2.23% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 76 | $247.3M | 11.53% | 0.90% | 2.23% | 93.3% |
| Q1 2026 | 75 | $243.5M | 11.24% | 0.91% | 2.10% | 92.0% |
| Q4 2025 | 75 | $243.5M | 10.98% | 0.86% | 2.04% | 88.7% |
| Q3 2025 | 74 | $238.4M | 11.10% | 1.08% | 2.05% | 87.4% |
| Q2 2025 | 73 | $233.0M | 11.11% | 1.08% | 1.93% | 85.7% |
| Q1 2025 | 72 | $233.9M | 10.98% | 1.21% | 1.91% | 83.6% |
| Q4 2024 | 68 | $227.3M | 10.75% | 1.13% | 1.43% | 84.2% |
| Q3 2024 | 70 | $224.0M | 11.02% | 0.89% | 1.38% | 88.0% |
| Q2 2024 | 70 | $220.1M | 11.05% | 0.92% | 1.29% | 86.7% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Missouri
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank of WestonBank Weston, MO | 68 out of 100, Moderate | $246.5M | 8.8% | 0.90% | vs |
| Peoples BankBank Cuba, MO | 80 out of 100, Strong | $248.7M | 11.0% | 0.23% | vs |
| First State Bank of the OzarksBank Purdy, MO | 55 out of 100, Moderate | $248.9M | 8.1% | 1.55% | vs |
| Community Bank of MarshallBank Marshall, MO | 69 out of 100, Moderate | $250.2M | 10.0% | 1.01% | vs |
| Bank of GrandinBank Grandin, MO | 64 out of 100, Moderate | $241.0M | 14.7% | 2.88% | vs |
| Citizens Bank of the MidwestBank Rolla, MO | 55 out of 100, Moderate | $238.3M | 8.4% | 0.33% | vs |
Deposit insurance
Is my money safe at Citizens Bank of Eldon?
Yes. Citizens Bank of Eldon is an FDIC-insured institution (FDIC certificate #1956). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 13.1% of deposits ($28.3M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.53%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
4 locations
Branches
Citizens Bank of Eldon lists 4 offices in 2 cities. Most locations:
- Eldon, MO (2)
- Versailles, MO (2)
Identity & history
Profile
- Legal name
- Citizens Bank of Eldon
- Type
- State-chartered bank
- FDIC certificate #
- 1956
- RSSD ID
- 954251
- Primary regulator
- FDIC
- Holding company
- Citizens Bancshares Eldon Mo
- Established
- January 20, 1905
- Headquarters
- 110 N Maple St, Eldon, MO 65026
- Website
- www.cbeldon.com
- Employees
- 32
Quick answers
Citizens Bank of Eldon: common questions
Is Citizens Bank of Eldon FDIC insured?
Yes. Citizens Bank of Eldon is an FDIC-insured institution (FDIC certificate #1956). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Citizens Bank of Eldon's TellerScore?
76 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Citizens Bank of Eldon ever failed?
There is no failure record for FDIC certificate #1956 in the FDIC failed bank list.
How many branches does Citizens Bank of Eldon have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Eldon
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Our Lady of Snows Credit UnionCredit union Henley, MO | 96 out of 100, Very strong | $4.6M | 15.3% | 0.00% | vs |
| Knox Co. Employees Credit UnionCredit union Knoxville, TN | 96 out of 100, Very strong | $12.5M | 18.8% | 0.04% | vs |
| Farmers Bank of Lohman, MissouriBank Jefferson City, MO | 93 out of 100, Very strong | $82.9M | 17.1% | 0.02% | vs |
| Legends BankBank Linn, MO | 90 out of 100, Very strong | $635.5M | 18.3% | 0.51% | vs |
| The Bank of VersaillesBank Versailles, MO | 89 out of 100, Very strong | $359.0M | 15.0% | 0.03% | vs |
| The Maries County BankBank Vienna, MO | 89 out of 100, Very strong | $600.5M | 14.8% | 0.12% | vs |