The Citizens Bank of Edina: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Citizens Bank of Edina of Edina, MO against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.25% | 1.34% | +0.91% | 91st top |
| ROAE | 15.75% | 13.31% | +2.44% | 70th above |
| Net Interest Margin | 5.16% | 3.93% | +1.23% | 94th top |
| Efficiency Ratio | 39.42% | 61.14% | -21.72% | 95th top |
| PPNR / Avg Assets | 3.18% | 1.68% | +1.50% | 97th top |
| Yield on Earning Assets | 6.30% | 5.67% | +0.63% | 81st top |
| Cost of Funds | 1.29% | 1.88% | -0.59% | 80th top |
| Net Interest Spread | 4.48% | 3.32% | +1.16% | 94th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.15% | 0.94% | -0.79% | 68th above |
| NPA / Total Assets | 0.11% | 0.70% | -0.59% | 68th above |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 83rd top |
| ACL / Total Loans | 1.34% | 1.28% | +0.06% | 66th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 867.50% | 1538.75% | -671.25% | 81st top |
| Texas Ratio | 7.65% | 7.33% | +0.32% | 29th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 14.49% | 12.14% | +2.35% | 84th top |
| Equity / Assets | 14.21% | 11.37% | +2.84% | 85th top |
| TCE / Tangible Assets | 14.21% | 11.09% | +3.12% | 86th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 85.75% | 80.64% | +5.11% | 38th below |
| Core Deposit Ratio | 92.08% | 86.86% | +5.22% | 68th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.33% | 6.85% | -4.52% | 34th below |
| Loan Growth (Y/Y) | 11.82% | 7.90% | +3.92% | 79th top |
| Deposit Growth (Y/Y) | 1.16% | 6.29% | -5.13% | 30th below |
See The Citizens Bank of Edina's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Citizens Bank of Edina, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The Citizens Bank of Edina profile, how to read a UBPR, or how this data updates.