Side-by-side · Q2 2026 data
Local Bank vs The Citizens Bank of Edmond
Metric by metric
| Measure | Local Bank | The Citizens Bank of Edmond |
|---|---|---|
| TellerScore | 66 (stronger) | 57 |
| Capital cushion | 64 (stronger) | 35 |
| Loan quality | 83 (stronger) | 79 |
| Earnings | 34 | 42 (stronger) |
| Funding & liquidity | 69 (stronger) | 64 |
| Problem-loan coverage | 93 (stronger) | 87 |
| Peer percentile | 31st | 14th |
| Total assets | $463.1M | $432.4M |
| Deposits / shares | $382.6M | $387.8M |
| Capital ratio | 11.35% (stronger) | 8.50% |
| Problem loans | 0.52% (stronger) | 0.63% |
| Net charge-offs | 0.05% | 0.00% (stronger) |
| Return on assets | 0.34% | 0.54% (stronger) |
| Loans ÷ deposits | 91.0% (stronger) | 96.2% |
| Uninsured deposits | 14.4% | 14.2% (stronger) |
| Offices | 6 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.7% |
Local Bank has the higher TellerScore (66 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Local Bank leads on 4 and The Citizens Bank of Edmond on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.