The Citizens Bank of Edmond: how it compares with its peers
Against 63 OK banks with half to twice its assets, The Citizens Bank of Edmond's strongest measure in Q2 2026 is assets per employee ($6.4M vs. a $6.5M peer median). Its weakest relative measure is return on assets (0.54% vs. 1.42%).
| Measure | The Citizens Bank of Edmond | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.54% | 1.42% | Bottom third Ahead of 11% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.12% | 4.17% | Middle third Ahead of 46% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 79.43% | 60.88% | Bottom third Ahead of 16% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.4M | $6.5M | Middle third Ahead of 48% of peers |
| Loans to deposits Net loans and leases over total deposits. | 96.17% | 75.63% | Context |
What it means for lending operations
Its efficiency ratio of 79.43% is above the 60.88% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Exchange Bank and Trust Company Perry, OK · $429M
- The City National Bank and Trust Company of Lawton, Oklahoma Lawton, OK · $446M
- Welch State Bank of Welch, Okla. Welch, OK · $450M
- Watermark Bank Oklahoma City, OK · $451M
- Anchor D Bank Texhoma, OK · $405M
- Local Bank Hulbert, OK · $463M
Questions about The Citizens Bank of Edmond
How big is The Citizens Bank of Edmond?
The Citizens Bank of Edmond, established in 1912, is headquartered in Edmond, OK. It reported $432M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is The Citizens Bank of Edmond's return on assets?
0.54% annualized in Q2 2026, against a 1.42% median for 63 OK banks with half to twice its assets, ahead of 11% of them.
What is The Citizens Bank of Edmond's efficiency ratio?
79.43% in Q2 2026: it spent about 79 cents in noninterest expense for each dollar of revenue. The peer median is 60.88%, and lower is better.
Is The Citizens Bank of Edmond growing its loans?
Net loans grew 6.8% over the year to Q2 2026, while deposits grew 2.3%.
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 OK 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 Oklahoma bank ranked.