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The Citizens Bank Of Edmond
Edmond, OK · FDIC Certificate #4084 · Chartered 01/0
Total assets
$432.36M
Total deposits
$387.78M
Total equity
$33.78M
Net loans
$372.94M
Branches (offices)
2
Net income (YTD)
$1.17M
Rank: #1,960 of 4,213 U.S. banks by assets · #62 of 168 in Oklahoma. Assets changed 3.7% and deposits 2.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.54% |
| Return on equity | 7.19% |
| Net interest margin (YTD) | 4.12% |
| Equity to assets | 7.81% |
| Tier 1 leverage ratio | 8.50% |
| Uninsured deposits (share of deposits) | 14.2% |
| Noncurrent loans (share of loans) | 0.63% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 96.2% |
| Real estate loans (share of loans) | 93.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $347.00M | 93.0% | |
| Commercial & industrial | $25.59M | 6.9% | |
| Consumer / individual | $646.00K | 0.2% | |
| Construction & development | $23.05M | 6.2% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $345.69M | $304.86M | $1.67M | $29.73M |
| Jun 2023 | $374.65M | $325.19M | $1.80M | $30.91M |
| Jun 2024 | $390.08M | $352.97M | $1.33M | $29.98M |
| Jun 2025 | $416.87M | $378.90M | $1.54M | $30.51M |
| Jun 2026 | $432.36M | $387.78M | $1.17M | $33.78M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Oklahoma | $387.78M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $387.78M.
Similar-sized banks
American National Bank - Fox Cities ($432.60M) · State Savings Bank ($431.16M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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