Citizens Bank of Eldon
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Data as of · sourced from FFIEC call reports. How we update
Citizens Bank of Eldon is an FDIC-insured commercial bank headquartered in Eldon, MO, established in 1905 (FDIC certificate 1956), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $247.3M, up 6.1% from Q2 2025, the 112th largest of 191 banks headquartered in Missouri. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.53% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 1956
- Headquarters
- Eldon, MO
- Established
- 1905
- Total assets, Q2 2026
- $247.3M
- Assets vs Q2 2025
- +6.1%
- Tier 1 leverage ratio, Q2 2026
- 11.53%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 081503380
- Holding company
- CITIZENS BANCSHARES OF ELDON, MISSOURI, INC.
- Asset rank in state
- 112th of 191 in Missouri
Citizens Bank of Eldon is one of the more profitable banks of its size. It reported $247 million in assets at June 30, 2026, up 6.1% from a year earlier. It earns about $2.36 a year on every $100 of assets, about double the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 43 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 61 cents).
Net income for the quarter rose 27% from a year earlier, to $1.4 million. Over the same year, loans grew 14.8% and deposits grew 5.5%.
As of June 30, 2026, Citizens Bank of Eldon reported a return on assets of 2.36%, a nonperforming-loan ratio of 0.90% and a Texas ratio of 6.00%. The figures come from its call report filed with the FFIEC.
Citizens Bank of Eldon ranks as the 112th largest of the 191 banks based in Missouri, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.5% to $247.3M, loans rose 2.9% and deposits rose 1.5%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 36.4% of total loans, followed by farmland and other real estate loans at 26.1%. The FDIC Summary of Deposits lists 4 offices for it, in Versailles, MO and Eldon, MO; its Versailles 2 offices book 51% of its branch deposits. On its Q2 2026 call report, Citizens Bank of Eldon meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 110 N Maple St, Eldon, MO 65026
- County
- Miller
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 20, 1905
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 32
- Domestic deposits
- $216.3M
- Allowance for credit losses
- $2.6M
- Net charge-offs (YTD)
- -$39K
- Average total assets
- $245.0M
- Average total loans
- $202.3M
- Average interest-bearing deposits
- $144.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1956
- Fed RSSD
- 954251
- Website
- www.cbeldon.com →
- Parent Holding Company
- CITIZENS BANCSHARES OF ELDON, MISSOURI, INC. (RSSD 1141900)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Citizens Bank of Eldon reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Citizens Bank of Eldon's total assets ranged from $213.8M (Q3 2023) to $247.3M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$247.3M total assets against $233.0M; $219.2M total liabilities against $207.9M.
$201.8M net loans and leases against $175.8M; $216.3M total deposits against $205.1M.
$19.5M securities against $29.4M; $17.0M cash and balances due against $19.2M.
$3.7M total interest income against $3.4M; $636K total interest expense against $706K.
$3.1M net interest income against $2.7M.
$233K total noninterest income against $378K; $1.4M total noninterest expense against $1.4M.
$3K provision for credit losses against $153K.
$1.4M net income against $1.1M.
2.36% return on assets against 1.96%; 5.27% net interest margin against 4.83%.
11.53% tier 1 leverage ratio against 11.11%.
Inside the full Citizens Bank of Eldon terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCitizens Bank of Eldon rankings
Its closest position to the top of a national ranking is 221 of 3,611, for ROA; its furthest is 2,716 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.55% (Q3 2024) to 2.36% (Q2 2026) and its net interest margin ran from 4.28% (Q3 2024) to 5.27% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.53% | 2.36% | 0.90% | 6.00% | 5.27% |
| Q1 2026 | 11.24% | 2.10% | 0.91% | 6.05% | 5.04% |
| Q4 2025 | 10.98% | 2.02% | 0.86% | 5.73% | 5.13% |
| Q3 2025 | 11.10% | 2.27% | 1.08% | 7.04% | 4.94% |
| Q2 2025 | 11.11% | 1.96% | 1.08% | 6.98% | 4.83% |
| Q1 2025 | 10.98% | 1.92% | 1.21% | 7.84% | 4.54% |
| Q4 2024 | 10.75% | 1.59% | 1.13% | 7.43% | 4.31% |
| Q3 2024 | 11.02% | 1.55% | 0.89% | 5.91% | 4.28% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 |
|---|---|---|---|
| Citizens Bank of Eldon (main office) | Eldon , MO | 65026 | $103.9M |
| Versailles Branch | Versailles , MO | 65084 | $96.4M |
| Citizens Bank of Eldon, Excelsior Branch | Versailles , MO | 65084 | $14.5M |
| South Facility | Eldon , MO | 65026 | $1.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MO, rank 140 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 3 loans, $906K approved, $302K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Citizens Bank of Eldon
What are Citizens Bank of Eldon's total assets?
As of the Q2 2026 filing, Citizens Bank of Eldon reported total assets of $247.3 million in its FFIEC call report.
Where is Citizens Bank of Eldon headquartered?
It is headquartered in Eldon, MO, United States.
When was Citizens Bank of Eldon founded?
It was established in 1905, per the FDIC institution directory.
Is Citizens Bank of Eldon FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1956). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Citizens Bank of Eldon?
Citizens Bank of Eldon's primary federal regulator is the FDIC.
How many branches does Citizens Bank of Eldon operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Citizens Bank of Eldon's Texas Ratio?
Its Texas Ratio is 6.00% 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.
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