The Citizens Bank of Edmond: 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 Edmond of Edmond, OK 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 | 1.45% | 1.34% | +0.11% | 60th above |
| ROAE | 19.30% | 13.31% | +5.99% | 85th top |
| Net Interest Margin | 4.19% | 3.93% | +0.26% | 64th above |
| Efficiency Ratio | 65.54% | 61.14% | +4.40% | 38th below |
| PPNR / Avg Assets | 1.78% | 1.68% | +0.10% | 62nd above |
| Yield on Earning Assets | 6.15% | 5.67% | +0.48% | 75th top |
| Cost of Funds | 2.02% | 1.88% | +0.14% | 36th below |
| Net Interest Spread | 3.61% | 3.32% | +0.29% | 65th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.63% | 0.94% | -0.31% | 40th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.54% | 0.70% | -0.16% | 36th below |
| NCO / Avg Loans | -0.00% | 0.16% | -0.16% | 74th above |
| ACL / Total Loans | 0.89% | 1.28% | -0.39% | 16th bottom |
| ACL / NPLs (Coverage) | 141.74% | 1539.31% | -1397.57% | 39th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.40% | 7.33% | -0.93% | 34th below |
| Provision / NCO | 0.00% | 1396.38% | -1396.38% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.18% | 19.51% | -8.33% | 10th bottom |
| Tier 1 Ratio | 11.18% | 19.54% | -8.36% | 9th bottom |
| Total Capital Ratio | 12.22% | 20.63% | -8.41% | 9th bottom |
| Leverage Ratio | 8.50% | 12.14% | -3.64% | 6th bottom |
| Equity / Assets | 7.81% | 11.38% | -3.57% | 12th bottom |
| TCE / Tangible Assets | 7.75% | 11.09% | -3.34% | 13th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 97.03% | 80.63% | +16.40% | 15th bottom |
| Core Deposit Ratio | 92.48% | 86.86% | +5.62% | 70th above |
| Wholesale Funding Ratio | 1.85% | 5.04% | -3.19% | 70th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.72% | 6.85% | -3.13% | 45th below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.73% | 7.90% | -1.17% | 58th above |
| Deposit Growth (Y/Y) | 2.34% | 6.29% | -3.95% | 38th below |
See The Citizens Bank of Edmond'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 Edmond, 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 Edmond profile, how to read a UBPR, or how this data updates.