The Citizens Bank of Edina
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Data as of · sourced from FFIEC call reports. How we update
The Citizens Bank of Edina is an FDIC-insured commercial bank headquartered in Edina, MO, established in 1914 (FDIC certificate 12457), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $106.7M, up 2.3% from Q2 2025, the 172nd largest of 191 banks headquartered in Missouri. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.49% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 12457
- Headquarters
- Edina, MO
- Established
- 1914
- Total assets, Q2 2026
- $106.7M
- Assets vs Q2 2025
- +2.3%
- Tier 1 leverage ratio, Q2 2026
- 14.49%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 081504172
- Latest call report
- Q2 2026, FFIEC 051 · The Citizens Bank of Edina call report
- Holding company
- NORTH MISSOURI BANCORP, INC.
- Asset rank in state
- 172nd of 191 in Missouri
Problem loans are rising at The Citizens Bank of Edina. The Edina, Missouri bank had $107 million in assets at June 30, 2026, up 2.3% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.45% of loans from 0.15% a year earlier. It earns about $2.25 a year on every $100 of assets, higher than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median $1.28). It also spends about 39 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 61 cents).
Net income for the quarter slipped 16% from a year earlier, to $591,000. Over the same year, loans grew 11.8% and deposits grew 1.2%.
As of June 30, 2026, The Citizens Bank of Edina reported a return on assets of 2.25%, a nonperforming-loan ratio of 1.45% and a Texas ratio of 6.99%. The figures come from its call report filed with the FFIEC.
Of the 191 banks headquartered in Missouri, The Citizens Bank of Edina is the 172nd largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.7% to $106.7M, loans rose 8.1% and deposits rose 2.7%. Agricultural production loans made up 40.0% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 25.9%. The FDIC Summary of Deposits lists a single office for it, in Edina, MO. By the capital ratios in its Q2 2026 call report, The Citizens Bank of Edina meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 117 S Main St, Edina, MO 63537
- County
- Knox
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- September 10, 1914
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 14
- Domestic deposits
- $90.9M
- Allowance for credit losses
- $1.0M
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $105.0M
- Average total loans
- $75.1M
- Average interest-bearing deposits
- $63.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12457
- Fed RSSD
- 699253
- Website
- http://www.cbofe.com →
- Parent Holding Company
- NORTH MISSOURI BANCORP, INC. (RSSD 1023172)
- Ultimate Parent
- R. DEAN PHILLIPS BANK TRUST DATED 11-19-2004 (RSSD 5558681)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, The Citizens Bank of Edina reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, The Citizens Bank of Edina's total assets ranged from $91.1M (Q3 2023) to $106.7M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$106.7M total assets against $104.3M; $91.5M total liabilities against $90.5M.
$76.9M net loans and leases against $68.7M; $90.9M total deposits against $89.8M.
$6.7M securities against $6.9M; $21.5M cash and balances due against $27.0M.
$1.6M total interest income against $1.6M; $290K total interest expense against $296K.
$1.3M net interest income against $1.3M.
$65K total noninterest income against $51K; $544K total noninterest expense against $425K.
$50K provision for credit losses against $0.
$591K net income against $704K.
2.25% return on assets against 2.70%; 5.16% net interest margin against 5.14%.
14.49% tier 1 leverage ratio against 13.22%.
Inside the full The Citizens Bank of Edina terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Citizens Bank of Edina rankings
Its closest position to the top of a national ranking is 183 of 3,606, for efficiency ratio; its furthest is 3,620 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.99% (Q1 2026) to 2.72% (Q4 2025) and its net interest margin ran from 4.97% (Q1 2026) to 5.18% (Q3 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.49% | 2.25% | 1.45% | 6.99% | 5.16% |
| Q1 2026 | 14.18% | 1.99% | 0.02% | 0.09% | 4.97% |
| Q4 2025 | 14.50% | 2.72% | 0.04% | 0.17% | 5.11% |
| Q3 2025 | 14.07% | 2.55% | 0.11% | 0.50% | 5.18% |
| Q2 2025 | 13.22% | 2.70% | 0.15% | 0.73% | 5.14% |
| Q1 2025 | 12.78% | 2.40% | 0.01% | 0.06% | 4.98% |
| Q4 2024 | 12.76% | 2.48% | 0.67% | 3.43% | 5.00% |
| Q3 2024 | 12.78% | 2.64% | 0.11% | 0.53% | 5.18% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Citizens Bank of Edina | Edina , MO | 63537 | $90.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MO, rank 203 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $220K approved, $220K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2000 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Citizens Bank of Edina
What are The Citizens Bank of Edina's total assets?
As of the Q2 2026 filing, The Citizens Bank of Edina reported total assets of $106.7 million in its FFIEC call report.
Where is The Citizens Bank of Edina headquartered?
It is headquartered in Edina, MO, United States.
When was The Citizens Bank of Edina founded?
It was established in 1914, per the FDIC institution directory.
Is The Citizens Bank of Edina FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12457). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Citizens Bank of Edina?
The Citizens Bank of Edina's primary federal regulator is the FDIC.
How many branches does The Citizens Bank of Edina operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Citizens Bank of Edina's Texas Ratio?
Its Texas Ratio is 6.99% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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