# CITIZENS BANK OF EDINA
EDINA, MO · FDIC certificate 12457 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $106.7M | |
| Deposits | $90.9M | |
| Loans and leases | $77.9M | |
| Total equity | $15.2M | |
| Loans / deposits | 84.61% (p70 of band) | 73.59% |
| Liquid assets / assets | 26.40% (p35 of band) | |
| Uninsured deposits / deposits | 17.14% (p40 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 14.49% (p74 of band) | 11.76% |
| Unrealized securities loss / equity | -0.49% (p83 of band) | -6.57% |
| AOCI / equity | -0.37% (p51 of band) | |
| ROA (annualized) | 2.11% (p87 of band) | 1.17% |
| Net interest margin | 5.09% (p91 of band) | 3.93% |
| Efficiency ratio | 43.58% (p6 of band) | |
| Noncurrent loans | 1.45% (p79 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p19 of band) | |
| Reserve coverage of noncurrent | 91.88% | |
| Real estate % of loans | 47% | |
| Construction % of loans | 5.87% (p31 of band) | |
| Auto loans | $696,000 (0.89% of loans; DQ 2.16%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.2% | |
| Employees | 14 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 2 | capital falling, reserve under noncurrent |  |
| 2012-06 | 0 |  | capital falling, reserve under noncurrent |
| 2012-09 | 1 | charge-offs p90 |  |
| 2012-12 | 1 | uninsured deposits leaving | charge-offs p90 |
| 2013-03 | 0 |  | uninsured deposits leaving |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | charge-offs p90 |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 2 | loans exceed deposits |  |
| 2014-12 | 0 |  | charge-offs p90, loans exceed deposits |
| 2015-03 | 1 | uninsured deposits leaving |  |
| 2015-06 | 1 | loans exceed deposits | uninsured deposits leaving |
| 2015-09 | 0 |  | loans exceed deposits |
| 2015-12 | 1 | uninsured deposits leaving |  |
| 2016-03 | 1 | capital falling | uninsured deposits leaving |
| 2016-06 | 1 | loans exceed deposits | capital falling |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | loans exceed deposits |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | reserve under noncurrent |  |
| 2017-09 | 0 |  | reserve under noncurrent |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | charge-offs p90 |  |
| 2018-06 | 0 |  | charge-offs p90 |
| 2018-09 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2018-12 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2019-03 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2019-06 | 2 | loans exceed deposits | deposits shrinking |
| 2019-09 | 1 |  | uninsured deposits leaving |
| 2019-12 | 0 |  | loans exceed deposits |
| 2020-03 | 1 | charge-offs p90 |  |
| 2020-06 | 0 |  | charge-offs p90 |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | capital falling, charge-offs p90 |  |
| 2022-06 | 2 | reserve under noncurrent | charge-offs p90 |
| 2022-09 | 0 |  | capital falling, reserve under noncurrent |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2023-09 | 0 |  | charge-offs p90, reserve under noncurrent |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 1 | reserve under noncurrent |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-28 [Citizens Bank of Edina Invests $140,000 in Local Communities - Memphis Democrat](https://news.google.com/rss/articles/CBMipAFBVV95cUxPMzg3R0t3SU1FQXRxOTl6X3k2RnRwZG4xN2Z3Vks5VzhqUi1LTExEQ2U1MWhIbmd1XzZnd0hld245RHViSnN0RC1qUWdqTVlreWdJOFhvM01uaVNLd1FlT2xBb2t6VnJCbU1WX3VxbG9hYTdIb09iNEs1S0piNnlSenMtS3d6b1IwV1NjQ1FnZDBUMXFKSXlsQmNNY05EeFAwbkdlMQ?oc=5) · Memphis Democrat
- 2025-09-12 [Edith Ann "Annie" Fisher Obituary (2025) - Edina, MO - Hudson-Rimer Funeral Home - Edina - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxQRjdGbHhNN21lanBBS3NheHVsOUkySGloa3Qta3M3Y2lYX2d6eWRBLWhEVzlCakVwajg5bUJkQmZTSno5UDljV0VJcVVKaWJILVdUdlNMSURUU3RBbXZKQTY1ZzhLLXUzeEVub0Z2d1VZQzRaUlBZellXYXVkVGVBag?oc=5) · legacy.com
- 2022-12-08 [Fire destroys Blue Room Restaurant and Bar in Edina - WGEM](https://news.google.com/rss/articles/CBMiggFBVV95cUxQTUIyWElDNTNzRlFoRWo4QzdRZ19nR1czR2l1VzMybzVpaTdoZ19uRGRqQ1BnZW9iNnpTdEdqTUpzOWh0YzFDc3dGb0pEN3V0Z0NiYW5xNjd3MXZGWGpzemZQbHhmOHVWN0U0alVvd21oUWFuQXRnV2szT09YSmVXT3Nn?oc=5) · WGEM
- 2026-07-16 [Opening Night Kicks Off 2026 Knox County 4-H/FFA Fair - NEMOnews Media Group](https://news.google.com/rss/articles/CBMilAFBVV95cUxNdTBaWV9jckdJUklaLWpNT01ENFVBc1d1MVpfTzBQOVNkdC12ckVsX1NfcGJCb05fQTI5YmJqaWJJMWZjR01WV1BSZUxFSXhhdjJYcmdhck5ubDE2VVAyR2ZjUnRsVXJjblFyNXhTTU1Gdkp0cWt3SDhsZmZmb1VoMTFtUXVaeFo2TTM2cTdlVlJWdDJ5?oc=5) · NEMOnews Media Group
- 2026-01-23 [Dixie Lynn Parrish Obituary (2026) - Edina, MO - Hudson-Rimer Funeral Home - Edina - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxQNmhPQmtScFMzNjIzazBuVklERk5lXzJzb0NMdGVBaDN3WWN6NHFpeEVyamp5YUpnbW5IUlR1d1N2NUljUGJqbGpvWTVrMjBTdlBuWXphakNsdkRra1Mtd2dWLXZJQkNEWlVwRUp2WDdkQTBHa2kzcV9KMk5ERmR2M05B?oc=5) · legacy.com
- 2025-06-30 [Norma Jean Monroe Obituary (2025) - LaBelle, MO - Hudson-Rimer Funeral Home - Edina - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxOeExhYjY0cTFIRFBpVTh0VE00RDV2M1NHTVRHQU11SVJDUWNWTWU0bzRvb1NKdHZTY20wejNCbUtGRXRMMEVPaE1rejB3aVUtYUk4U2VHdHNmQmZfMXFxa1JRenZybnAySzdjNmdFY2VqNGg1bUhFNEFpejFhMmZMOA?oc=5) · legacy.com
- 2009-05-26 [RICHARD B. "DICK" KELLY - NEMOnews Media Group](https://news.google.com/rss/articles/CBMiaEFVX3lxTE5ObklEbmMxRzQ4TnFMaDFjREwzeWxMMFZjcklhMDVsT2N4UzR1Ny1rTUlLQ0U2WW42OS1walVISGxiNGg0RXpIWEdkcE1UV1laeW5MQjBLY0ZJWUk3M1ZxZ182SkhGX0c5?oc=5) · NEMOnews Media Group

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12457 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/41.json (key "12457", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide