The Citizens Bank of Edina (FDIC certificate #12457) is based in Edina, Missouri. Its Q2 2026 call report shows $106.7M in total assets and $90.9M in deposits and 1 office.
The Citizens Bank of Edina has a TellerScore of 81 out of 100 (strong) based on Q2 2026 data — higher than 80% of its 2,650 banks with $100 million – $1 billion. Among 194 banks headquartered in Missouri, it ranks 45th. Earnings contributes the most (100/100, 2.11%); loan quality contributes the least (52/100, 1.45%).
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 fell 10 points (91 → 81), mostly because the loan quality component weakened by 43 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 84 |
| Q3 2024 | 90 |
| Q4 2024 | 84 |
| Q1 2025 | 91 |
| Q2 2025 | 91 |
| Q3 2025 | 94 |
| Q4 2025 | 95 |
| Q1 2026 | 94 |
| Q2 2026 | 81 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.49% |
| Q3 2024 | 12.78% |
| Q4 2024 | 12.76% |
| Q1 2025 | 12.78% |
| Q2 2025 | 13.22% |
| Q3 2025 | 14.07% |
| Q4 2025 | 14.50% |
| Q1 2026 | 14.18% |
| Q2 2026 | 14.49% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.65% |
| Q3 2024 | 0.11% |
| Q4 2024 | 0.67% |
| Q1 2025 | 0.01% |
| Q2 2025 | 0.15% |
| Q3 2025 | 0.11% |
| Q4 2025 | 0.04% |
| Q1 2026 | 0.02% |
| Q2 2026 | 1.45% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.62% |
| Q3 2024 | 2.64% |
| Q4 2024 | 2.60% |
| Q1 2025 | 2.41% |
| Q2 2025 | 2.56% |
| Q3 2025 | 2.56% |
| Q4 2025 | 2.57% |
| Q1 2026 | 1.99% |
| Q2 2026 | 2.11% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 81 | $106.7M | 14.49% | 1.45% | 2.11% | 84.6% |
| Q1 2026 | 94 | $103.9M | 14.18% | 0.02% | 1.99% | 80.4% |
| Q4 2025 | 95 | $105.3M | 14.50% | 0.04% | 2.57% | 79.2% |
| Q3 2025 | 94 | $99.1M | 14.07% | 0.11% | 2.56% | 77.5% |
| Q2 2025 | 91 | $104.3M | 13.22% | 0.15% | 2.56% | 76.5% |
| Q1 2025 | 91 | $105.1M | 12.78% | 0.01% | 2.41% | 73.6% |
| Q4 2024 | 84 | $102.7M | 12.76% | 0.67% | 2.60% | 78.3% |
| Q3 2024 | 90 | $97.3M | 12.78% | 0.11% | 2.64% | 78.3% |
| Q2 2024 | 84 | $98.8M | 12.49% | 0.65% | 2.62% | 75.8% |
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 |
|---|---|---|---|---|---|
| Citizens Bank & TrustBank Rock Port, MO | 85 out of 100, Very strong | $107.3M | 12.5% | 0.08% | vs |
| Bank of BillingsBank Billings, MO | 64 out of 100, Moderate | $105.0M | 9.9% | 0.91% | vs |
| The Bank of Grain ValleyBank Grain Valley, MO | 95 out of 100, Very strong | $110.6M | 24.0% | 0.00% | vs |
| TPNB BankBank Paris, MO | 89 out of 100, Very strong | $112.0M | 15.2% | 0.00% | vs |
| West Plains Savings and Loan AssociationBank West Plains, MO | 55 out of 100, Moderate | $100.5M | 21.1% | 4.53% | vs |
| Neighbors BankBank Clarence, MO | 47 out of 100, Below average | $115.6M | 11.1% | 1.38% | vs |
Deposit insurance
Is my money safe at The Citizens Bank of Edina?
Yes. The Citizens Bank of Edina is an FDIC-insured institution (FDIC certificate #12457). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 17.1% of deposits ($15.6M) 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 14.49%, 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%).
1 location
Branches
The Citizens Bank of Edina lists 1 office in 1 city. Most locations:
- Edina, MO (1)
Identity & history
Profile
- Legal name
- The Citizens Bank of Edina
- Type
- State-chartered bank
- FDIC certificate #
- 12457
- RSSD ID
- 699253
- Primary regulator
- FDIC
- Holding company
- R Dean Phillips Bk Tr Dated 11-19-2004
- Established
- September 10, 1914
- Headquarters
- 117 S Main St, Edina, MO 63537
- Website
- www.cbofe.com
- Employees
- 14
Quick answers
The Citizens Bank of Edina: common questions
Is The Citizens Bank of Edina FDIC insured?
Yes. The Citizens Bank of Edina is an FDIC-insured institution (FDIC certificate #12457). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Citizens Bank of Edina's TellerScore?
81 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 The Citizens Bank of Edina ever failed?
There is no failure record for FDIC certificate #12457 in the FDIC failed bank list.
How many branches does The Citizens Bank of Edina have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Edina
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Town & Country Bank MidwestBank Quincy, IL | 92 out of 100, Very strong | $279.3M | 14.9% | 0.15% | vs |
| Community Bank of MemphisBank Memphis, MO | 85 out of 100, Very strong | $63.7M | 12.4% | 0.00% | vs |
| Northeast Missouri State BankBank Kirksville, MO | 84 out of 100, Strong | $164.1M | 11.1% | 0.02% | vs |
| United State BankBank Lewistown, MO | 80 out of 100, Strong | $290.1M | 10.5% | 0.07% | vs |
| Peoples Bank of Wyaconda, MissouriBank Kahoka, MO | 78 out of 100, Strong | $148.5M | 10.6% | 0.02% | vs |
| Alliant BankBank Madison, MO | 70 out of 100, Strong | $256.4M | 9.0% | 0.00% | vs |