The Citizens Bank of Edina: how it compares with its peers
Against 71 MO banks with half to twice its assets, The Citizens Bank of Edina's strongest measure in Q2 2026 is efficiency ratio (43.58% vs. a 62.62% peer median). Its weakest relative measure is return on assets (2.11% vs. 1.24%).
| Measure | The Citizens Bank of Edina | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.11% | 1.24% | Top third Ahead of 79% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.09% | 4.01% | Top third Ahead of 87% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 43.58% | 62.62% | Top third Ahead of 93% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.6M | $6.0M | Top third Ahead of 83% of peers |
| Loans to deposits Net loans and leases over total deposits. | 84.61% | 74.96% | Context |
What it means for lending operations
Its efficiency ratio of 43.58% is better than the 62.62% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Citizens Bank & Trust Rock Port, MO · $107M
- Bank of Billings Billings, MO · $105M
- The Bank of Grain Valley Grain Valley, MO · $111M
- TPNB Bank Paris, MO · $112M
- West Plains Savings and Loan Association West Plains, MO · $101M
- Investors Community Bank Chillicothe, MO · $98M
Questions about The Citizens Bank of Edina
How big is The Citizens Bank of Edina?
The Citizens Bank of Edina, established in 1914, is headquartered in Edina, MO. It reported $107M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is The Citizens Bank of Edina's return on assets?
2.11% annualized in Q2 2026, against a 1.24% median for 71 MO banks with half to twice its assets, ahead of 79% of them.
What is The Citizens Bank of Edina's efficiency ratio?
43.58% in Q2 2026: it spent about 44 cents in noninterest expense for each dollar of revenue. The peer median is 62.62%, and lower is better.
Is The Citizens Bank of Edina growing its loans?
Net loans grew 11.9% over the year to Q2 2026, while deposits grew 1.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MO banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Missouri bank ranked.