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Citizens Bank of Eldon

$100M-$1B Specialty: Agricultural MO FDIC cert 1956

Eldon, MO

4 branches across 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 +5.5% year over year ($216.3M on the books).
  • Delinquency rate 0.91%.
  • Return on assets 2.23%.
  • Efficiency ratio 43.80% vs a 64.48% peer average.
  • Loan-to-deposit ratio 93.29% 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) →

Citizens Bank of Eldon shows strong momentum with 3 strengths and 6.1% YoY asset growth

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

  • + Profitability Leader: Top 28.7% in tier
  • + Deposit Franchise: Top 30.2% in tier
  • + Efficiency Ratio 20.68% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Citizens Bank of Eldon releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Total Assets ? $247.3M
+6.1% YoY +1.5% QoQ
-$139.3M $386.6M
+1.2% YoY
$1.6B
+6.4% YoY
$6.3B
+7.7% YoY
36%
Total Loans ? $201.8M
+14.8% YoY +2.9% QoQ
-$56.5M $258.3M
+1.7% YoY
$1.0B
+10.0% YoY
$3.2B
+9.4% YoY
48%
Total Deposits ? $216.3M
+5.5% YoY +1.5% QoQ
-$110.4M $326.7M
+0.7% YoY
$1.3B
+6.1% YoY
$4.9B
+7.3% YoY
38%
Return on Assets ? 2.23%
+15.3% YoY +6.0% QoQ
+0.90% 1.32%
+10.8% YoY
1.46%
+5.9% YoY
1.30%
+12.1% YoY
Top 8.1% in tier
Net Interest Margin ? 5.21%
+10.0% YoY +2.5% QoQ
+1.22% 3.99%
+5.0% YoY
4.55%
+0.7% YoY
3.95%
+4.9% YoY
Top 5.3% in tier
Efficiency Ratio ? 43.80%
-7.2% YoY -1.4% QoQ
-20.68% 64.48%
-3.2% YoY
59.57%
-3.2% YoY
70.05%
+2.5% YoY
Top 7.3% in tier
Delinquency Rate ? 0.91%
-16.4% YoY -0.6% QoQ
-0.01% 0.92%
+15.7% YoY
0.82%
+12.6% YoY
0.98%
+16.3% YoY
31%
Loan-to-Deposit Ratio ? 93.29%
+8.9% YoY +1.4% QoQ
+15.34% 77.95%
+1.0% YoY
80.82%
+1.6% YoY
79.03%
+2.3% YoY
20%
Non-Interest-Bearing Deposit Share ? 33.23%
+1.1% YoY +3.5% QoQ
+11.20% 22.03%
-0.6% YoY
20.71%
-0.5% YoY
21.98%
-0.6% YoY
Top 12.1% in tier
Nonperforming Asset Ratio ? 0.74%
-9.5% YoY +0.8% QoQ
+0.08% 0.67%
+16.4% YoY
0.67%
+14.9% YoY
0.69%
+15.8% YoY
29%
Tier 1 Capital Ratio ? 11.53%
+3.8% YoY +2.6% QoQ
-4.38% 15.91%
+1.4% YoY
15.38%
-1.1% YoY
17.09%
+0.8% YoY
29%
Non-Interest Income / Assets ? 0.20%
-27.7% YoY +83.5% QoQ
-0.36% 0.57%
+7.6% YoY
0.58%
+5.8% YoY
0.66%
+5.2% YoY
51%

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 33.2%
+0.3pp YoY
+1.1pp QoQ
 +11.1pp 22.1% 20.9% 22.2% 88%
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 7.9%
-1.6pp YoY
0.0pp QoQ
 -3.7pp 11.6% 12.3% 12.5% 39%
CRE 16.9%
-1.0pp YoY
-2.0pp QoQ
 -22.6pp 39.5% 36.8% 41.4% 13%
1-4 Family 36.8%
+2.3pp YoY
+0.5pp QoQ
 +4.2pp 32.6% 31.9% 31.3% 65%
Consumer 8.0%
-2.0pp YoY
-0.2pp QoQ
 +3.9pp 4.1% 4.1% 5.0% 88%

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 11.5%
+0.4pp YoY
+0.3pp QoQ
 -0.6pp 12.2% 11.6% 12.6% 58%
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 32
-1 (-3.0%) YoY
-1 (-3.0%) QoQ
 -27 58 162 482 30%
Assets per Employee ($) $7.7M
+9.4% YoY
+4.7% QoQ
 +$209K $7.5M $8.0M $8.8M 64%
Branch Count 4
0 YoY
0 QoQ
 -1 4 10 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual 0.9%
-0.2pp YoY
0.0pp QoQ
 0.0pp 0.9% 0.8% 1.0% 69%
Allowance Coverage 1.44x
+17.5% YoY
-2.6% QoQ
 -22.72x 24.15x 10.47x 20.23x 38%
Net Charge-off Rate (YTD) -0.0%
-0.1pp YoY
+0.1pp QoQ
 -0.2pp 0.1% 0.3% 0.2% 6%

Profitability

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
ROE 20.1%
+1.7pp YoY
+0.9pp QoQ
 +7.9pp 12.2% 14.3% 11.6% 88%
Cost of Funds (YTD) 1.1%
-0.2pp YoY
0.0pp QoQ
 -0.6pp 1.7% 1.8% 1.7% 16%
Net Income ($, YTD) $2.7M
+21.9% YoY
— QoQ
 +$168K $2.6M $11.3M $40.4M 66%

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 (2)

Profitability Leader

growth
#191 of 661 • Top 28.7% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.23%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Deposit Franchise

growth
#85 of 278 • Top 30.2% 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: 33.23%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 5.21%
(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 (0)

No matched concern signatures this quarter

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)

142
Net Interest Margin
profitability
Value: 5.21%
Peer Median: 3.99%
#142 of 2643 Top 5.3% in $100M-$1B
195
Efficiency Ratio
profitability
Value: 43.80%
Peer Median: 64.48%
#195 of 2643 Top 7.3% in $100M-$1B
216
Return on Assets
profitability
Value: 2.23%
Peer Median: 1.32%
#216 of 2643 Top 8.1% in $100M-$1B
320
Non-Interest-Bearing Deposit Share
funding
Value: 33.23%
Peer Median: 22.03%
#320 of 2643 Top 12.1% in $100M-$1B

Top Weaknesses (1 metrics)

2127
Loan-to-Deposit Ratio
liquidity
Value: 93.29%
Peer Median: 77.95%
#2127 of 2643 Bottom 19.6% in $100M-$1B
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