The Citizens Bank of Edina: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 49.32 percentage points in Q2 2026, from 818.18% to 867.50%. It was the largest change from Q1 2026 among the key lines here. Within Missouri, The Citizens Bank of Edina is 26th of 192 on return on assets, 2.25% as of Q2 2026, above the middle of the field. Against a median of 1.25% for banks in the $100M-1B asset tier, The Citizens Bank of Edina reported 2.25% on return on assets in Q2 2026, 1.00 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 14.49% |
| Equity capital to assets | 14.21% |
| Tangible equity to tangible assets | 14.21% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.15% |
| Non-performing assets ratio | 0.11% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 7.65% |
| Allowance for credit losses to loans | 1.34% |
| Reserve coverage of non-performing loans | 867.50% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.25% |
| Return on equity | 15.75% |
| Net interest margin | 5.16% |
| Efficiency ratio | 39.42% |
| Yield on earning assets | 6.30% |
| Cost of funds | 1.29% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.75% |
| Core deposits to total deposits | 92.08% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.18% |
| Securities to assets | 6.26% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 12.22% | 2.39% | 4.89% | 0.18% | 0.01% |
| Q4 2023 | 12.23% | 2.42% | 4.88% | 0.17% | 0.00% |
| Q1 2024 | 12.27% | 2.68% | 5.03% | 0.18% | -0.02% |
| Q2 2024 | 12.49% | 2.55% | 5.04% | 0.17% | 0.01% |
| Q3 2024 | 12.78% | 2.64% | 5.18% | 0.16% | 0.01% |
| Q4 2024 | 12.76% | 2.48% | 5.00% | 0.16% | -0.01% |
| Q1 2025 | 12.78% | 2.40% | 4.98% | 0.16% | 0.00% |
| Q2 2025 | 13.22% | 2.70% | 5.14% | 0.15% | 0.00% |
| Q3 2025 | 14.07% | 2.55% | 5.18% | 0.16% | 0.00% |
| Q4 2025 | 14.50% | 2.72% | 5.11% | 0.15% | 0.00% |
| Q1 2026 | 14.18% | 1.99% | 4.97% | 0.17% | 0.00% |
| Q2 2026 | 14.49% | 2.25% | 5.16% | 0.15% | -0.01% |
The Citizens Bank of Edina vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Citizens Bank of Edina, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Citizens Bank of Edina profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12457) · FFIEC NIC profile (RSSD 699253)