The Citizens Bank of Edmond
Edmond, OK
IDRSSD: 172457
Total Assets
$417.27M
Latest filing
Total Deposits
$378.49M
Latest filing
Net Interest Margin
4.28%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
The Citizens Bank of Edmond
1 E 1st St
Edmond, OK 73034
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1912FDIC Certificate 2658
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The Citizens Bank of Edmond (Main) | 1 E 1st St | Edmond, OK |
| MAIN BRANCH | 32 N Broadway | Edmond, OK |
Showing 1 of 1
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 01/01/1912 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 73034 |
| State and County Number | 40109 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 10 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Oklahoma City, OK |
Operational Info
| Number of Employees | 71 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | http://www.mycitizens.bank |
| Data Updated | 01/30/2026 |
| CERT | 4084 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $417.27M |
| Total Deposits | $378.49M |
| Total Liabilities | $385.83M |
| Total Equity Capital | $31.45M |
| Net Income | $1.11M |
| Net Loans and Leases | $341.63M |
| Assets Per Employee ($Millions) | $5.96M |
| Bank Premises and Fixed Assets | $9.79M |
| Cash and Balances due from Depository Institutions | $44.75M |
| Deposits Held in Domestic Offices | $378.49M |
Key Performance Ratios
| Return on Assets (ROA) | 1.08% |
| Return on Equity (ROE) | 14.31% |
| Net Interest Margin | 4.28% |
| Efficiency Ratio | 76.83% |
| Tier 1 Risk-Based Capital Ratio | 11.181% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.536% |
| Earning Assets to total Assets | 93.46% |
Income and Expense
| Total Interest Income | $5.90M |
| Total Noninterest Income | $667.00k |
| Total Interest Expense | $1.75M |
| Total Noninterest Expense | $3.70M |
| Net Interest Income | $4.14M |
| Pre-tax Net Operating Income | $1.11M |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $5.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $1.00k |
| All Other Liabilities | $2.34M |
| Total Liabilities and Capital | $417.27M |
Securities
| Securities | $5.80M |
| Available-for-sale debt securities | $5.30M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $500.00k |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Citizens Bank of Edmond?
$417.27M as of the latest filing.
How much are The Citizens Bank of Edmond's total deposits?
$378.49M in total deposits.
Where is The Citizens Bank of Edmond located?
Edmond, OK.
What is the Net Interest Margin?
4.28%.
How many domestic offices does it operate?
2.
When was it established?
01/01/1912.
What is the Return on Assets (ROA)?
1.08%.
How much are total loans and leases?
$341.63M (latest filing).
What is the total interest income (latest filing)?
$5.90M.