Citizens Bank of Eldon: how it compares with its peers
Against 90 MO banks with half to twice its assets, Citizens Bank of Eldon's strongest measure in Q2 2026 is net interest margin (5.21% vs. a 4.06% peer median). Its weakest relative measure is assets per employee ($7.7M vs. $6.1M).
| Measure | Citizens Bank of Eldon | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.23% | 1.36% | Top third Ahead of 82% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.21% | 4.06% | Top third Ahead of 91% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 43.80% | 59.90% | Top third Ahead of 91% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.7M | $6.1M | Top third Ahead of 81% of peers |
| Loans to deposits Net loans and leases over total deposits. | 93.29% | 83.40% | Context |
What it means for lending operations
Its efficiency ratio of 43.80% is better than the 59.90% 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
- Bank of Weston Weston, MO · $246M
- Peoples Bank Cuba, MO · $249M
- First State Bank of the Ozarks Purdy, MO · $249M
- Community Bank of Marshall Marshall, MO · $250M
- Bank of Grandin Grandin, MO · $241M
- Citizens Bank of the Midwest Rolla, MO · $238M
Questions about Citizens Bank of Eldon
How big is Citizens Bank of Eldon?
Citizens Bank of Eldon, established in 1905, is headquartered in Eldon, MO. It reported $247M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Citizens Bank of Eldon's return on assets?
2.23% annualized in Q2 2026, against a 1.36% median for 90 MO banks with half to twice its assets, ahead of 82% of them.
What is Citizens Bank of Eldon's efficiency ratio?
43.80% in Q2 2026: it spent about 44 cents in noninterest expense for each dollar of revenue. The peer median is 59.90%, and lower is better.
Is Citizens Bank of Eldon growing its loans?
Net loans grew 14.8% over the year to Q2 2026, while deposits grew 5.5%.
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.