CITIZENS BANK OF ELDON

ELDON, MO | Small | Est. Jan. 20, 1905, midnight | FDIC #1956 | RSSD #954251 | FDIC
Latest Report: 2025-12-31

CITIZENS BANK OF ELDON is asn small FDIC-insured commercial bank headquartered in ELDON, MO, established in Jan. 20, 1905, midnight. As of 2025-12-31, the bank reported total assets of $243M and total deposits of $214M. Profitability stands at 2.02% ROA and 18.62% ROE, with a net interest margin of 5.33%. The bank's CET1 capital ratio is 10.80%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.86% and a Texas Ratio of 5.73%. FDIC Certificate #1956.

Assets

$243M

Deposits

$214M

Loans

$192M

Equity

$26M

Profitability

Return on Assets (ROA) 2.02%
Return on Equity (ROE) 18.62%
Net Interest Margin (NIM) 5.33%
Yield on Assets 6.60%
Cost of Funds 1.33%

Asset Quality

NPL Ratio 0.86%
Net Charge-Off Ratio 0.05%
Texas Ratio 5.73%
NPA Ratio 0.68%
ACL / Loans 1.30%

Capital & Liquidity

CET1 Ratio 10.80%
Tier 1 Capital 10.80%
Total Capital Ratio 11.34%
Leverage Ratio 10.98%
Loan-to-Deposit 89.89%

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