The Citizens Bank of Edmond: 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.
Loan-to-deposit ratio climbed 8.18 percentage points in Q2 2026, from 88.85% to 97.03%. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, The Citizens Bank of Edmond is 84th of 169 on return on assets, 1.45% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. The Citizens Bank of Edmond sits 0.19 points higher, at 1.45% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.18% |
| Tier 1 risk-based capital ratio | 11.18% |
| Total risk-based capital ratio | 12.22% |
| Tier 1 leverage ratio | 8.50% |
| Equity capital to assets | 7.81% |
| Tangible equity to tangible assets | 7.75% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.63% |
| Non-performing assets ratio | 0.54% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 6.40% |
| Allowance for credit losses to loans | 0.89% |
| Reserve coverage of non-performing loans | 141.74% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.45% |
| Return on equity | 19.30% |
| Net interest margin | 4.19% |
| Efficiency ratio | 65.54% |
| Yield on earning assets | 6.15% |
| Cost of funds | 2.02% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 97.03% |
| Core deposits to total deposits | 92.48% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.69% |
| Securities to assets | 1.02% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | — | — | — | 9.24% | 0.81% |
| Q4 2023 | — | — | — | 9.13% | 0.85% |
| Q1 2024 | — | — | — | 9.08% | 0.64% |
| Q2 2024 | — | — | — | 9.28% | 0.81% |
| Q3 2024 | — | — | — | 9.22% | 0.78% |
| Q4 2024 | 10.90% | 10.90% | 12.02% | 8.92% | 0.45% |
| Q1 2025 | 10.95% | 10.95% | 12.07% | 8.74% | 0.67% |
| Q2 2025 | 10.53% | 10.53% | 11.59% | 8.63% | 0.90% |
| Q3 2025 | 10.95% | 10.95% | 12.05% | 8.79% | 0.82% |
| Q4 2025 | 11.29% | 11.29% | 12.40% | 8.94% | 1.51% |
| Q1 2026 | 10.74% | 10.74% | 11.82% | 8.34% | -0.39% |
| Q2 2026 | 11.18% | 11.18% | 12.22% | 8.50% | 1.45% |
The Citizens Bank of Edmond vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Citizens Bank of Edmond, 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 Edmond profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4084) · FFIEC NIC profile (RSSD 172457)