The Citizens Bank of Edmond
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Data as of · sourced from FFIEC call reports. How we update
The Citizens Bank of Edmond is an FDIC-insured commercial bank headquartered in Edmond, OK, established in 1912 (FDIC certificate 4084), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $432.4M, up 3.7% from Q2 2025, the 62nd largest of 169 banks headquartered in Oklahoma. Its CET1 capital ratio was 11.18% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 4084
- Headquarters
- Edmond, OK
- Established
- 1912
- Total assets, Q2 2026
- $432.4M
- Assets vs Q2 2025
- +3.7%
- CET1 ratio, Q2 2026
- 11.18%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 103002251
- Latest call report
- Q2 2026, FFIEC 051 · The Citizens Bank of Edmond call report
- Holding company
- CITIZENS BANCSHARES, INC.
- Asset rank in state
- 62nd of 169 in Oklahoma
The Citizens Bank of Edmond operates with a thinner capital cushion than most banks of its size. It reported $432 million in assets at June 30, 2026, up 3.7% from a year earlier. It holds common equity equal to 11.18% of its risk-weighted assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 15.12%). It also holds commercial real estate loans worth 2.9 times its capital, 2.4 times the median of 1.2 times for banks its size.
Earnings jumped: net income for the quarter was $1.6 million, 76% above the same quarter a year earlier. Over the same year, loans grew 6.7% and deposits grew 2.3%. One more trend to watch: problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.63% of loans from 0.39% a year earlier.
As of June 30, 2026, The Citizens Bank of Edmond reported a CET1 capital ratio of 11.18%, a return on assets of 1.45%, a nonperforming-loan ratio of 0.63% and a Texas ratio of 6.40%. The figures come from its call report filed with the FFIEC.
Of the 169 banks headquartered in Oklahoma, The Citizens Bank of Edmond is the 62nd largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 1.7% to $432.4M, loans rose 5.6% and deposits fell 3.3%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 42.2% of total loans, ahead of non-owner-occupied commercial real estate loans at 20.5%. The FDIC Summary of Deposits lists 2 offices for it, in Edmond, OK. By the capital ratios in its Q2 2026 call report, The Citizens Bank of Edmond meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1 E 1st St, Edmond, OK 73034
- County
- Oklahoma
- Metro Area
- Oklahoma City, OK
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1912
- Former names
- The Citizens Bank of Edmond (1981)
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 68
- Domestic deposits
- $387.8M
- Allowance for credit losses
- $3.3M
- Net charge-offs (YTD)
- $5K
- Average total assets
- $433.4M
- Average total loans
- $365.0M
- Average interest-bearing deposits
- $307.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4084
- Fed RSSD
- 172457
- Website
- http://www.mycitizens.bank →
- Parent Holding Company
- CITIZENS BANCSHARES, INC. (RSSD 2718354)
- Ultimate Parent
- RSSD 3078215
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The Citizens Bank of Edmond's total assets ran between $370.4M (Q3 2023) and $440.0M (Q1 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$432.4M total assets against $416.9M; $398.6M total liabilities against $386.4M.
$372.9M net loans and leases against $349.2M; $387.8M total deposits against $378.9M.
$4.4M securities against $6.2M; $29.0M cash and balances due against $36.7M.
$6.3M total interest income against $5.8M; $2.0M total interest expense against $1.8M.
$4.3M net interest income against $4.1M.
$1.3M total noninterest income against $391K; $3.7M total noninterest expense against $3.6M.
$0 provision for credit losses against $0.
$1.6M net income against $892K.
1.45% return on assets against 0.90%; 4.19% net interest margin against 4.34%.
11.18% CET1 capital ratio against 10.53%; 8.50% tier 1 leverage ratio against 8.63%.
Inside the full The Citizens Bank of Edmond terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
The Citizens Bank of Edmond rankings
Its closest position to the top of a national ranking is 1,061 of 3,640, for Texas Ratio; its furthest is 1,916 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.39% (Q1 2026) to 1.51% (Q4 2025) and its net interest margin ran from 4.07% (Q1 2025) to 4.44% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.18% | 1.45% | 0.63% | 6.40% | 4.19% |
| Q1 2026 | 10.74% | -0.39% | 0.69% | 7.13% | 4.10% |
| Q4 2025 | 11.29% | 1.51% | 0.68% | 6.61% | 4.44% |
| Q3 2025 | 10.95% | 0.82% | 0.68% | 6.87% | 4.29% |
| Q2 2025 | 10.53% | 0.90% | 0.39% | 4.14% | 4.34% |
| Q1 2025 | 10.95% | 0.67% | 0.41% | 4.18% | 4.07% |
| Q4 2024 | 10.90% | 0.45% | 0.41% | 4.21% | 4.33% |
| Q3 2024 | — | 0.78% | 0.42% | 4.25% | 4.23% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → 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 Edmond | Edmond , OK | 73034 | $387.8M |
| Main Branch | Edmond , OK | 73034 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve)
- January 27, 2010, Federal Reserve: Written Agreement: Citizens Bancshares, Edmond, Oklahoma; The Citizens Bank of Edmond, Edmond, Oklahoma
- Period: Most recent institution action January 27, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in OK, rank 61 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $843K approved, $422K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 Edmond
What are The Citizens Bank of Edmond's total assets?
As of the Q2 2026 filing, The Citizens Bank of Edmond reported total assets of $432.4 million in its FFIEC call report.
Where is The Citizens Bank of Edmond headquartered?
It is headquartered in Edmond, OK, United States.
When was The Citizens Bank of Edmond founded?
It was established in 1912, per the FDIC institution directory.
Is The Citizens Bank of Edmond FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4084). 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 Edmond?
The Citizens Bank of Edmond's primary federal regulator is the Federal Reserve.
What is The Citizens Bank of Edmond's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.18% in its Q2 2026 call report, above regulatory requirements.
How many branches does The Citizens Bank of Edmond operate?
It operates 2 domestic offices, 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 Edmond's Texas Ratio?
Its Texas Ratio is 6.40% 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.
What was The Citizens Bank of Edmond previously called?
The charter now named The Citizens Bank of Edmond has also operated as The Citizens Bank of Edmond (1981), per FDIC structure-change records.
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