BlastPoint's Banking Scorecard

The Citizens Bank of Edmond

$100M-$1B Specialty: Commercial OK FDIC cert 4084

Edmond, OK

2 branches across OK

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 106 in OK.
Deposits +2.3% year over year ($387.8M on the books).
Delinquency rate 0.63%.
Return on assets 0.54%.
Efficiency ratio 79.43% vs a 64.48% peer average.
Loan-to-deposit ratio 96.17% 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 106 in OK

View $100M-$1B leaderboard (OK) →

The Citizens Bank of Edmond has 2 strengths but faces 5 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

+ Net Interest Margin 0.13% above tier average
+ Delinquency Rate 0.29% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 36.9% in tier
- Credit Quality Pressure: Bottom 42.7% in tier
- Liquidity Strain: Bottom 44.3% in tier
- ROA 0.78% below tier average
- Efficiency Ratio 14.95% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Total Assets ?	$432.4M +3.7% YoY -1.7% QoQ	+$45.8M	$386.6M +1.2% YoY	$1.3B +6.0% YoY	$6.3B +7.7% YoY	65%
Total Loans ?	$372.9M +6.8% YoY +5.6% QoQ	+$114.6M	$258.3M +1.7% YoY	$835.5M +7.1% YoY	$3.2B +9.4% YoY	76%
Total Deposits ?	$387.8M +2.3% YoY -3.3% QoQ	+$61.0M	$326.7M +0.7% YoY	$967.8M +5.8% YoY	$4.9B +7.3% YoY	68%
Return on Assets ?	0.54% -27.3% YoY +245.2% QoQ	-0.78%	1.32% +10.8% YoY	1.35% +7.7% YoY	1.30% +12.1% YoY	Bottom 13.4% in tier
Net Interest Margin ?	4.12% +1.8% YoY +3.8% QoQ	+0.13%	3.99% +5.0% YoY	4.27% +1.9% YoY	3.95% +4.9% YoY	60%
Efficiency Ratio ?	79.43% -3.2% YoY -18.2% QoQ	+14.95%	64.48% -3.2% YoY	64.81% -3.0% YoY	70.05% +2.5% YoY	Bottom 14.3% in tier
Delinquency Rate ?	0.63% +58.8% YoY -8.8% QoQ	-0.29%	0.92% +15.7% YoY	1.78% +23.7% YoY	0.98% +16.3% YoY	41%
Loan-to-Deposit Ratio ?	96.17% +4.4% YoY +9.3% QoQ	+18.22%	77.95% +1.0% YoY	74.14% +1.3% YoY	79.03% +2.3% YoY	Bottom 14.6% in tier
Non-Interest-Bearing Deposit Share ?	21.55% +1.5% YoY -0.6% QoQ	-0.48%	22.03% -0.6% YoY	23.91% -1.8% YoY	21.98% -0.6% YoY	52%
Nonperforming Asset Ratio ?	0.54% +63.5% YoY -2.0% QoQ	-0.12%	0.67% +16.4% YoY	1.24% +23.1% YoY	0.69% +15.8% YoY	37%
Tier 1 Capital Ratio ?	11.18% +6.2% YoY +4.0% QoQ	-4.73%	15.91% +1.4% YoY	14.18% -3.9% YoY	17.09% +0.8% YoY	25%
Non-Interest Income / Assets ?	0.40% +111.7% YoY +319.0% QoQ	-0.17%	0.57% +7.6% YoY	0.31% -11.7% YoY	0.66% +5.2% YoY	85%

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 (OK)	National Avg	Tier Percentile
Noninterest-Bearing	21.5% +0.3pp YoY -0.1pp QoQ	-0.6pp	22.1%	23.9%	22.2%	52%
Brokered Deposits	n/a	n/a	7.9%	9.7%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
C&I	6.9% -1.3pp YoY -0.4pp QoQ	-4.7pp	11.6%	15.7%	12.5%	32%
CRE	49.8% -4.7pp YoY -1.6pp QoQ	+10.2pp	39.5%	42.0%	41.4%	70%
1-4 Family	42.6% +6.0pp YoY +2.1pp QoQ	+10.0pp	32.6%	24.0%	31.3%	74%
Consumer	0.2% -0.1pp YoY -0.1pp QoQ	-3.9pp	4.1%	5.6%	5.0%	8%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
CET1 Ratio	11.2% +0.7pp YoY +0.4pp QoQ	-7.6pp	18.8%	17.0%	19.7%	9%
Leverage Ratio	8.5% -0.1pp YoY +0.2pp QoQ	-3.7pp	12.2%	11.7%	12.6%	6%
Total Capital Ratio	12.2% +0.6pp YoY +0.4pp QoQ	-7.7pp	19.9%	18.2%	20.8%	9%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Full-Time Employees	68 +1 (+1.5%) YoY -1 (-1.4%) QoQ	+9	58	150	482	69%
Assets per Employee ($)	$6.4M +2.2% YoY -0.3% QoQ	-$1.2M	$7.5M	$6.5M	$8.8M	40%
Branch Count	2 0 YoY 0 QoQ	-3	4	8	18	11%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.9%	0.4%	n/a
Nonaccrual	0.6% +0.2pp YoY -0.1pp QoQ	-0.3pp	0.9%	1.5%	1.0%	59%
Allowance Coverage	1.42x -41.3% YoY +3.9% QoQ	-22.74x	24.15x	61.99x	20.23x	38%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.2%	0.2%	34%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
ROE	7.2% -3.0pp YoY +12.2pp QoQ	-5.0pp	12.2%	11.9%	11.6%	22%
Cost of Funds (YTD)	1.9% +0.1pp YoY +0.1pp QoQ	+0.2pp	1.7%	1.8%	1.7%	65%
Net Income ($, YTD)	$1.2M -24.2% YoY — QoQ	-$1.4M	$2.6M	$8.7M	$40.4M	32%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 (0)

No matched strength signatures this quarter

Concerns (3)

Credit Risk Growth

risk

#346 of 936 • Bottom 36.9% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk

#537 of 1256 • Bottom 42.7% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.63%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank improving

Liquidity Strain

risk

#307 of 691 • Bottom 44.3% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 96.17%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ

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).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

401

Non-Interest Income / Assets

revenue_mix

Value: 0.40%

Peer Median: 0.57%

#401 of 2643 Top 15.1% in $100M-$1B

625

Total Loans

size

Value: $372.94M

Peer Median: $258.35M

#625 of 2643 Top 23.6% in $100M-$1B

Top Weaknesses (3 metrics)

2289

Return on Assets

profitability

Value: 0.54%

Peer Median: 1.32%

#2289 of 2643 Bottom 13.4% in $100M-$1B

2267

Efficiency Ratio

profitability

Value: 79.43%

Peer Median: 64.48%

#2267 of 2643 Bottom 14.3% in $100M-$1B

2257

Loan-to-Deposit Ratio

liquidity

Value: 96.17%

Peer Median: 77.95%

#2257 of 2643 Bottom 14.6% in $100M-$1B