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The Citizens Bank of Edina

$100M-$1B Specialty: Agricultural MO FDIC cert 12457

Edina, MO

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 140 in MO.
  • Deposits +1.2% year over year ($90.9M on the books).
  • Delinquency rate 1.47%.
  • Return on assets 2.11%.
  • Efficiency ratio 43.58% vs a 64.48% peer average.
  • Loan-to-deposit ratio 84.61% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 140 in MO
View $100M-$1B leaderboard (MO) →

The Citizens Bank of Edina has 3 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Deposit Franchise: Top 60.1% in tier
  • + Efficiency Ratio 20.90% below tier average
  • + ROA 0.79% above tier average

Key Concerns

Areas that may need attention

  • - Cost Spiral: Bottom 15.2% in tier
  • - Margin Compression: Bottom 62.5% in tier
  • - Delinquency Rate 0.55% above tier average
Get updates when The Citizens Bank of Edina releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Total Assets ? $106.7M
+2.3% YoY +2.7% QoQ
-$279.9M $386.6M
+1.2% YoY
$1.6B
+6.4% YoY
$6.3B
+7.7% YoY
Bottom 1.7% in tier
Total Loans ? $76.9M
+11.9% YoY +8.1% QoQ
-$181.4M $258.3M
+1.7% YoY
$1.0B
+10.0% YoY
$3.2B
+9.4% YoY
Bottom 9.2% in tier
Total Deposits ? $90.9M
+1.2% YoY +2.7% QoQ
-$235.8M $326.7M
+0.7% YoY
$1.3B
+6.1% YoY
$4.9B
+7.3% YoY
Bottom 2.8% in tier
Return on Assets ? 2.11%
-17.4% YoY +6.0% QoQ
+0.79% 1.32%
+10.8% YoY
1.46%
+5.9% YoY
1.30%
+12.1% YoY
Top 10.9% in tier
Net Interest Margin ? 5.09%
-0.7% YoY +1.8% QoQ
+1.11% 3.99%
+5.0% YoY
4.55%
+0.7% YoY
3.95%
+4.9% YoY
Top 6.8% in tier
Efficiency Ratio ? 43.58%
+30.4% YoY -8.9% QoQ
-20.90% 64.48%
-3.2% YoY
59.57%
-3.2% YoY
70.05%
+2.5% YoY
Top 7.2% in tier
Delinquency Rate ? 1.47%
+846.4% YoY
+0.55% 0.92%
+15.7% YoY
0.82%
+12.6% YoY
0.98%
+16.3% YoY
19%
Loan-to-Deposit Ratio ? 84.61%
+10.6% YoY +5.3% QoQ
+6.65% 77.95%
+1.0% YoY
80.82%
+1.6% YoY
79.03%
+2.3% YoY
39%
Non-Interest-Bearing Deposit Share ? 30.10%
-8.7% YoY +7.6% QoQ
+8.07% 22.03%
-0.6% YoY
20.71%
-0.5% YoY
21.98%
-0.6% YoY
82%
Nonperforming Asset Ratio ? 1.06%
+934.7% YoY
+0.39% 0.67%
+16.4% YoY
0.67%
+14.9% YoY
0.69%
+15.8% YoY
19%
Tier 1 Capital Ratio ? 14.49%
+9.6% YoY +2.2% QoQ
-1.42% 15.91%
+1.4% YoY
15.38%
-1.1% YoY
17.09%
+0.8% YoY
62%
Non-Interest Income / Assets ? 0.12%
+6.6% YoY +91.8% QoQ
-0.44% 0.57%
+7.6% YoY
0.58%
+5.8% YoY
0.66%
+5.2% YoY
26%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Noninterest-Bearing 30.1%
-2.9pp YoY
+2.1pp QoQ
 +8.0pp 22.1% 20.9% 22.2% 82%
Brokered Deposits n/a n/a 7.9% 7.4% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
C&I 9.3%
-0.2pp YoY
-1.3pp QoQ
 -2.3pp 11.6% 12.3% 12.5% 48%
CRE n/a n/a 39.5% 36.8% 41.4% n/a
1-4 Family 11.6%
+1.1pp YoY
-0.7pp QoQ
 -21.0pp 32.6% 31.9% 31.3% 13%
Consumer 3.9%
+0.3pp YoY
0.0pp QoQ
 -0.2pp 4.1% 4.1% 5.0% 69%

Capital

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 18.5% 19.7% n/a
Leverage Ratio 14.5%
+1.3pp YoY
+0.3pp QoQ
 +2.3pp 12.2% 11.6% 12.6% 84%
Total Capital Ratio n/a n/a 19.9% 19.6% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Full-Time Employees 14
0 YoY
0 QoQ
 -45 58 162 482 3%
Assets per Employee ($) $7.6M
+2.3% YoY
+2.7% QoQ
 +$104K $7.5M $8.0M $8.8M 63%
Branch Count 1
0 YoY
0 QoQ
 -4 4 10 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Past Due 90+ Days 1.5%
+1.3pp YoY
 +1.1pp 0.3% 0.3% 0.4% 95%
Nonaccrual 0.0%
0.0pp QoQ
 -0.9pp 0.9% 0.8% 1.0% 5%
Allowance Coverage 0.92x
-89.9% YoY
-98.7% QoQ
 -23.23x 24.15x 10.47x 20.23x 24%
Net Charge-off Rate (YTD) -0.0% -0.1pp 0.1% 0.3% 0.2% 22%

Profitability

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
ROE 14.9%
-5.1pp YoY
+0.8pp QoQ
 +2.8pp 12.2% 14.3% 11.6% 67%
Cost of Funds (YTD) 1.1%
-0.1pp YoY
0.0pp QoQ
 -0.6pp 1.7% 1.8% 1.7% 16%
Net Income ($, YTD) $1.1M
-16.4% YoY
— QoQ
 -$1.4M $2.6M $11.3M $40.4M 30%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Deposit Franchise

growth
#168 of 278 • Top 60.1% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 30.10%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 5.09%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank improving

Concerns (2)

Cost Spiral

risk
#22 of 138 • Bottom 15.2% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature
Efficiency Ratio: 43.58%
(Tier: 64.48%, National: 70.05%)
better than tier avg
138 of 138 Community banks match · 184 nationally
→ Stable +9 banks QoQ | QoQ rank improving

Margin Compression

decline
#193 of 307 • Bottom 62.5% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 2.11%
(Tier: 1.32%, National: 1.30%)
better than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

182
Net Interest Margin
profitability
Value: 5.09%
Peer Median: 3.99%
#182 of 2643 Top 6.8% in $100M-$1B
192
Efficiency Ratio
profitability
Value: 43.58%
Peer Median: 64.48%
#192 of 2643 Top 7.2% in $100M-$1B
290
Return on Assets
profitability
Value: 2.11%
Peer Median: 1.32%
#290 of 2643 Top 10.9% in $100M-$1B
468
Non-Interest-Bearing Deposit Share
funding
Value: 30.10%
Peer Median: 22.03%
#468 of 2643 Top 17.7% in $100M-$1B

Top Weaknesses (5 metrics)

2600
Total Assets
size
Value: $106.70M
Peer Median: $386.57M
#2600 of 2643 Bottom 1.7% in $100M-$1B
2570
Total Deposits
size
Value: $90.89M
Peer Median: $326.73M
#2570 of 2643 Bottom 2.8% in $100M-$1B
2400
Total Loans
size
Value: $76.90M
Peer Median: $258.35M
#2400 of 2643 Bottom 9.2% in $100M-$1B
2145
Nonperforming Asset Ratio
credit_quality
Value: 1.06%
Peer Median: 0.67%
#2145 of 2643 Bottom 18.9% in $100M-$1B
2136
Delinquency Rate
credit_quality
Value: 1.47%
Peer Median: 0.92%
#2136 of 2633 Bottom 18.9% in $100M-$1B
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