TellerScore

The Citizens Bank of Edmond (FDIC certificate #4084) is based in Edmond, Oklahoma. Its Q2 2026 call report shows $432.4M in total assets and $387.8M in deposits and 2 offices.

Based on its Q2 2026 filing, The Citizens Bank of Edmond scores 57/100, which we describe as moderate. That is higher than only 14% of 2,650 banks with $100 million – $1 billion. Among 170 banks headquartered in Oklahoma, it ranks 133rd. Its strongest component is problem-loan coverage (87/100; 6.3%), and its lowest is capital cushion (35/100; 8.50%).

TellerScore · Q2 2026

Scorecard

Capital cushion35/100
Tier 1 leverage ratio: 8.50%
Loan quality79/100
Noncurrent loans ÷ total loans: 0.63%
Earnings42/100
Return on assets (annualized): 0.54%
Funding & liquidity64/100
Loans ÷ deposits and uninsured-deposit share: 96.2% · 14.2% uninsured
Problem-loan coverage87/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 6.34%

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 5 points (62 → 57), mostly because the loan quality component weakened by 8 points.

TellerScore
505968Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202463
Q4 202461
Q1 202561
Q2 202562
Q3 202560
Q4 202561
Q1 202650
Q2 202657
Tier 1 leverage ratio
5.00%7.14%9.28%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.28%
Q3 20249.22%
Q4 20248.92%
Q1 20258.74%
Q2 20258.63%
Q3 20258.79%
Q4 20258.94%
Q1 20268.34%
Q2 20268.50%
Noncurrent loans
0.00%0.34%0.69%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.42%
Q4 20240.41%
Q1 20250.41%
Q2 20250.39%
Q3 20250.68%
Q4 20250.68%
Q1 20260.69%
Q2 20260.63%
Return on assets
-0.37%0.28%0.93%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.69%
Q3 20240.70%
Q4 20240.63%
Q1 20250.63%
Q2 20250.75%
Q3 20250.76%
Q4 20250.93%
Q1 2026-0.37%
Q2 20260.54%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202657$432.4M8.50%0.63%0.54%96.2%
Q1 202650$440.0M8.34%0.69%-0.37%88.0%
Q4 202561$417.5M8.94%0.68%0.93%90.3%
Q3 202560$411.6M8.79%0.68%0.76%90.9%
Q2 202562$416.9M8.63%0.39%0.75%92.2%
Q1 202561$413.4M8.74%0.41%0.63%89.6%
Q4 202461$406.1M8.92%0.41%0.63%97.2%
Q3 202463$399.5M9.22%0.42%0.70%93.2%
Q2 202468$390.1M9.28%0.00%0.69%89.1%

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).

Capital ratio8.50%
6th
Total risk-based capital12.22%
53rd
Problem loans0.63%
40th
Net charge-offs0.00%
55th
Return on assets0.54%
13th
Net interest margin4.12%
60th
Efficiency ratio79.4%
14th
Loans to deposits96.2%
15th
Uninsured deposits14.2%
84th
Loan-loss reserves0.89%
16th
Texas ratio6.3%
29th

Similar-size banks in Oklahoma

InstitutionScoreAssetsCapitalProblem loansCompare
Exchange Bank and Trust CompanyBank Perry, OK65 out of 100, Moderate$428.7M10.8%1.59%vs
The City National Bank and Trust Company of Lawton, OklahomaBank Lawton, OK83 out of 100, Strong$446.2M13.9%0.45%vs
Welch State Bank of Welch, Okla.Bank Welch, OK76 out of 100, Strong$449.8M10.2%0.36%vs
Watermark BankBank Oklahoma City, OK81 out of 100, Strong$450.5M13.3%0.00%vs
Anchor D BankBank Texhoma, OK80 out of 100, Strong$404.5M10.5%0.00%vs
Local BankBank Hulbert, OK66 out of 100, Moderate$463.1M11.4%0.52%vs

Deposit insurance

Is my money safe at The Citizens Bank of Edmond?

Yes. The Citizens Bank of Edmond is an FDIC-insured institution (FDIC certificate #4084). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 14.2% of deposits ($55.2M) 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 8.50%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.22% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

The Citizens Bank of Edmond lists 2 offices in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, The Citizens Bank of Edmond reported 139 home-loan applications under HMDA (LEI 549300OWEWQ1QPPQS302): 124 originated ($38,120,000 total), 5 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.7%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
The Citizens Bank of Edmond
Former names
The Citizens National Bank of Edmond
Type
State-chartered bank (Fed member)
FDIC certificate #
4084
RSSD ID
172457
Primary regulator
FED
Holding company
Citizens Bancshares Inc Esop
Established
January 1, 1912
Headquarters
1 E 1st St, Edmond, OK 73034
Employees
68

Quick answers

The Citizens Bank of Edmond: common questions

Is The Citizens Bank of Edmond FDIC insured?

Yes. The Citizens Bank of Edmond is an FDIC-insured institution (FDIC certificate #4084). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The Citizens Bank of Edmond's TellerScore?

57 out of 100 (Moderate), 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 Edmond ever failed?

There is no failure record for FDIC certificate #4084 in the FDIC failed bank list.

How many branches does The Citizens Bank of Edmond have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Edmond

InstitutionScoreAssetsCapitalProblem loansCompare
Oklahoma Federal Credit UnionCredit union Oklahoma City, OK91 out of 100, Very strong$198.9M20.2%0.24%vs
International Bank of CommerceBank Oklahoma City, OK88 out of 100, Very strong$1.6B15.5%0.66%vs
Sooner State BankBank Tuttle, OK86 out of 100, Very strong$354.6M12.8%0.33%vs
Bank 7Bank Oklahoma City, OK86 out of 100, Very strong$1.9B13.9%0.39%vs
U. S. Employees O. C. Federal Credit UnionCredit union Oklahoma City, OK85 out of 100, Very strong$213.5M16.3%0.20%vs
Tinker Federal Credit UnionCredit union Oklahoma City, OK83 out of 100, Strong$6.1B14.7%0.63%vs