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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Edmond, OK · FDIC certificate #4084
CITIZENS BANK OF EDMOND is an FDIC-insured institution based in Edmond, OK (FDIC certificate #4084). In its Q3 2026 Call Report it reported total assets of $459M, total deposits of $417M and net loans of $387M. Its primary federal regulator is FED.
Plain-language readout
CITIZENS BANK OF EDMOND has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $459M in Q3 2026 and were lowest at $432M in Q2 2026.
Total deposits were highest at $417M in Q3 2026 and lowest at $388M in Q2 2026.
Over the whole period total assets rose 4.4%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $459M | $417M | $387M | 0.67% | 8.93% | 4.24% |
| Q2 2026 | $432M | $388M | $373M | 0.54% | 7.19% | 4.12% |
| Q1 2026 | $440M | $401M | $353M | -0.37% | -5.04% | 3.96% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $29.0M | $56.8M | -$27.8M | -49.0% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $4.4M | $4.7M | -$264K | -5.6% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $1.1M | $0K | +$1.1M | n/a |
| Net loans and leases (after allowance) | $371.8M | $353.0M | +$18.8M | +5.3% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $10.1M | $9.8M | +$294K | +3.0% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $298K | $298K | $0K | 0.0% |
| All other assets | $15.6M | $15.4M | +$269K | +1.8% |
| Total assets | $432.4M | $440.0M | -$7.6M | -1.7% |
| Liabilities | ||||
| Total deposits | $387.8M | $401.0M | -$13.3M | -3.3% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $8.0M | $5.0M | +$3.0M | +60.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $2.8M | $2.7M | +$121K | +4.5% |
| Total liabilities | $398.6M | $408.7M | -$10.1M | -2.5% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $980K | $980K | $0K | 0.0% |
| Surplus | $12.8M | $11.2M | +$1.6M | +13.8% |
| Retained earnings | $23.3M | $22.3M | +$1.0M | +4.6% |
| Accumulated other comprehensive income | -$3.3M | -$3.3M | -$34K | -1.0% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $33.8M | $31.2M | +$2.5M | +8.1% |
| Credit and capital | ||||
| Gross nonperforming assets | $2.4M | $2.4M | -$90K | -3.7% |
| Adjusted nonperforming assets | $2.4M | $2.4M | -$90K | -3.7% |
| Tangible equity plus allowance | $36.8M | $34.3M | +$2.5M | +7.4% |
| Texas ratio (gross) | 6.40% | 7.13% | -0.74 pts | See points |
| Texas ratio (adjusted) | 6.40% | 7.13% | -0.74 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 6.40% | 7.13% | -0.74 pts | See points |
| Tier 1 capital to risk-weighted assets | 11.18% | 10.74% | +0.43 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 11.18% | 10.74% | +0.43 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.04% | 1.08% | -0.03 pts | See points |
| Total risk-based capital to risk-weighted assets | 12.22% | 11.82% | +0.40 pts | See points |
| Tier 1 leverage (approximate) | 8.50% | 8.34% | +0.15 pts | See points |
| Construction and land loans to total capital | 57.31% | 60.13% | -2.83 pts | See points |
| Commercial real estate to total capital | 291.20% | 293.58% | -2.37 pts | See points |
| Dividend payout, year to date | 107.19% | Not reported | Not reported | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -0.12% | -0.03% | -0.09 pts | See points |
| Liquidity | ||||
| Core deposits | $358.6M | $370.2M | -$11.5M | -3.1% |
| Non-core funding | $37.2M | $35.9M | +$1.3M | +3.6% |
| Loans to core deposits | 104.62% | 96.27% | +8.36 pts | See points |
| Loans to deposits | 96.75% | 88.85% | +7.90 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 6.10% | 6.56% | -0.47 pts | See points |
| Loans pledged, share of loans | 48.81% | 47.34% | +1.47 pts | See points |
| Volatile liabilities | $37.2M | $35.9M | +$1.3M | +3.6% |
| Earnings | ||||
| Earnings before provision, year to date | $2.1M | $126K | +$1.9M | +1531.7% |
| Earnings before provision, single quarter | $1.9M | $126K | +$1.8M | +1431.7% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 6.45% | 6.28% | +0.18 pts | See points |
| Yield on interest-bearing balances due from banks | 3.52% | 3.21% | +0.31 pts | See points |
| Total interest income to average assets | 5.82% | 5.65% | +0.17 pts | See points |
| Cost of interest-bearing transaction accounts | 1.16% | 1.09% | +0.07 pts | See points |
| Cost of savings and money market deposits | 2.61% | 2.42% | +0.19 pts | See points |
| Cost of time deposits | 3.82% | 3.94% | -0.12 pts | See points |
| Total interest expense to average assets | 1.85% | 1.78% | +0.08 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $459M | $417M | $387M | 0.67% | 8.93% | 4.24% |
| 2026-06-30 | $432M | $388M | $373M | 0.54% | 7.19% | 4.12% |
| 2026-03-31 | $440M | $401M | $353M | -0.37% | -5.04% | 3.96% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| OK | $378.9M | 0.27% | 61 | Continuing · +0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.