# CITIZENS BANK OF EDMOND
EDMOND, OK · FDIC certificate 4084 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. 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 | $432.4M | |
| Deposits | $387.8M | |
| Loans and leases | $376.3M | |
| Total equity | $33.8M | |
| Loans / deposits | 96.17% (p84 of band) | 82.04% |
| Liquid assets / assets | 7.72% (p2 of band) | |
| Uninsured deposits / deposits | 14.24% (p11 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.85% (p40 of band) | |
| FHLB advances / assets | 1.85% | |
| Tier 1 leverage | 8.50% (p6 of band) | 10.81% |
| Unrealized securities loss / equity | -0.13% (p95 of band) | -8.10% |
| AOCI / equity | -0.20% (p59 of band) | |
| ROA (annualized) | 0.54% (p12 of band) | 1.28% |
| Net interest margin | 4.12% (p61 of band) | 3.91% |
| Efficiency ratio | 79.43% (p88 of band) | |
| Noncurrent loans | 0.63% (p60 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p43 of band) | |
| Reserve coverage of noncurrent | 141.74% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 68.23% (p70 of band) | |
| Auto loans | $577,000 (0.15% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $3.0M (9% of equity) (p96 of band) | |
| Deposits YoY | 2.3% | |
| Employees | 68 | |

## Flags firing in the latest filing

- **liquid assets <10%** (`liq_thin`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 0 |  | charge-offs p90, reserve under noncurrent, construction >100% equity |
| 2011-09 | 1 | construction >100% equity |  |
| 2011-12 | 0 |  | construction >100% equity |
| 2012-03 | 2 | construction >100% equity, uninsured deposits leaving |  |
| 2012-06 | 1 |  | uninsured deposits leaving |
| 2012-09 | 0 |  | construction >100% equity |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 2 | deposits shrinking, assets shrinking |  |
| 2013-12 | 3 | construction >100% equity |  |
| 2014-03 | 4 | capital falling |  |
| 2014-06 | 1 |  | deposits shrinking, assets shrinking, capital falling |
| 2014-09 | 0 |  | construction >100% equity |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | capital falling |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 | charge-offs p90 | capital falling |
| 2020-06 | 1 | liquid assets <10% | charge-offs p90 |
| 2020-09 | 1 | capital falling | liquid assets <10% |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | construction >100% equity |  |
| 2021-06 | 3 | charge-offs p90 |  |
| 2021-09 | 3 |  |  |
| 2021-12 | 2 |  | capital falling |
| 2022-03 | 2 |  |  |
| 2022-06 | 0 |  | construction >100% equity, charge-offs p90 |
| 2022-09 | 4 | liquid assets <10%, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2022-12 | 2 |  | deposits shrinking, assets shrinking |
| 2023-03 | 3 | capital falling, charge-offs p90 | liquid assets <10% |
| 2023-06 | 3 | liquid assets <10% | charge-offs p90 |
| 2023-09 | 2 |  | capital falling |
| 2023-12 | 0 |  | uninsured deposits leaving, liquid assets <10% |
| 2024-03 | 1 | capital falling |  |
| 2024-06 | 0 |  | capital falling |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | capital falling |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | capital falling |
| 2025-12 | 0 |  |  |
| 2026-03 | 2 | losing money, expense ratio p90 |  |
| 2026-06 | 1 | liquid assets <10% | losing money, expense ratio p90 |

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

- 2026-09-04 [Citizens Bank of Edmond CEO invited to G20 Finance Ministers and Central bank Governors Meeting - KFOR](https://news.google.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?oc=5) · KFOR
- 2026-09-02 [STATEMENT FROM CITIZENS BANK OF EDMOND CHAIRMAN, PRESIDENT, AND CEO JILL CASTILLA ON MAIN STREET GROWTH AT THE G20 - Times Argus](https://news.google.com/rss/articles/CBMiqgJBVV95cUxNZGJXX05BM3NkM1hidmhnOTBwUDIxbkRMdGUwVkYxVjZVWGdpc01GRjFaWkc0bGNsNUVhNS13VmpyYTlSZGRtUGRJNjByLWYzNllVcTFDdE5obFZ2RmgwTDFUUDNWTGJwbVNHSzJ4M08ydWpMSFlQT3BwVlJKdS1vb1hmQmcxOFlUazF5Mk9VOWY0SXRPMERrS2MxQ0UzaTRqZk5jTmljVFdNZFl5NnRPSHVkY1BXYXM3VmE5QnFsVFZhSFpCVDI2QjdyY3I1NFMzNno5blR3TGppclVObjltLXFDOHNpWERzS2d5R2x5QzdfTUdrV0kyeURjTzZ2R2NwcC1QV2JQTVZLUm9vOHlqYUczREdPSnZkYmlhSS1ZU1hCLVJZQlZGWC13?oc=5) · Times Argus
- 2026-09-03 [Citizens Bank of Edmond CEO Joins U.S. Delegation at G20 Summit in Asheville - geneonline.com](https://news.google.com/rss/articles/CBMipgFBVV95cUxQTktYT0RnOWRtY0pCTFJFSVJtWU9ja1hjNmxNMF9CZWV6cy1nMHdVTnZYMU4zUDlyNWJtUmg1T1ZwUVctOW9JODlyT1A5d2IyalZLeXI0NzlhVzFmUmgtZUktOW5GVGpCZVAyYlVKQWJaNkk0NDZIcEJ6M0g1djlBYk1VSE1uWWY2X3hmSWFhX2pMSDZRWnZYdkpVZU5KX3c1UnFTNlpB?oc=5) · geneonline.com
- 2026-05-05 [125-year mark Edmond’s oldest operating business still meeting community needs - Edmond Life & Leisure](https://news.google.com/rss/articles/CBMitwFBVV95cUxPN2RmbEpsdzlrTnBpdmJRQ1BhMU1lVW9QZ2xYS19FSXc5X3VYbkZrOEVaUWNzazlxQnpCS2ZJZjFqcXlYbWVtbmJZOWNhbXhSaTFGQS13UGp2RWJwa3o4MG9zZUIxOGxJUzRXTDVIQ2lCSWtGVU52ZHh4WVZNNlFNLVlkOHoyVkttSlgxZWNDeW9tV0VfQzF1djdZQzByY1o1U1ktak80VGg4MXNkdVRlOUxNYTFKdDg?oc=5) · Edmond Life &amp; Leisure
- 2026-03-30 [Citizens Bank of Edmond - journalrecord.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxOVTVsR0ZwdGhvOU81YUx3bmFybWM3OVV1YVRSU0J3OUVmQWUybWdHbEZYQXlKMHFLQ2dIeVYtcXBfeVpDcWpiVmZPMVh5WmNTaEpMOWZWZVpQWnczbUZKMkUwVEZSaXp3NV9fRlVOa0VMSmRoVktobjMzaGFOblVwXw?oc=5) · journalrecord.com
- 2025-10-07 [2025 The Most Powerful Women in Banking, No. 15, Jill Castilla, Citizens Bank of Edmond - American Banker](https://news.google.com/rss/articles/CBMiuwFBVV95cUxNOFlScTBnRTRpclNWWVVHV3dJVnlTS3hlWkVCS2s0QmxqUDh1cWpabXpjUFR4djF1b3RIeU9nMFBMMTFYUDdZTXUzVXZDcGIxRVZ2OEc4ellhR082R2lBQ1VBUVJnZlRoS3U5anBUeHM3Tm1ZVENYbTZnazc5OXdYb0dreHgyUTRRYXhaUGZxejFHWGhfcEZ2aTBiX0t1QVYtSUZEUEdQNkZIV18wdDF3VG9EZHl0X1luYkZn?oc=5) · American Banker
- 2025-06-02 [Oklahoma's Citizens Bank of Edmond expands digital offerings with InvestiFi partnership - fintechfutures.com](https://news.google.com/rss/articles/CBMiygFBVV95cUxNSGNOY3VkWjNkLUFzZlVpdG5icFJQSlZXWEdyYXB4Y3hic0F1ZmVESm5rUnlEQ25UT0lCTjhTMmJaaWJheW9GbTlrV3dJdzZ3d1pDYlBTSk4tNFl6SE12OERVeXh2YzNvNVFRVFRhRmVyeENtSDVBU0NZZGxsOHZyMVJfZUEwTVZicGFKYzFWYVZuOVE0NGlrVmtqR0E5a0JYV0NtZkt3M1lYeGVzbXdZX3RxTG9uTER6RUVSN1R2S2NsTGJoU1hKN1F3?oc=5) · fintechfutures.com
- 2023-08-15 [Citizens Bank of Edmond launches digital bank for military recruits - Banking Dive](https://news.google.com/rss/articles/CBMipAFBVV95cUxNTUg0RjVtUDR6R29XbW9vM0hrLUF4YkxqOHc1Rko2WktQMlp1dVo3UXRlRFlhRGVvQ3FRRnhJTW11VXY5eFJTUTBwX0ZGVnIwM1E0U2FlZHRoanVzOEJ5Nng5cXJhd3I3bjU0Y0x6eU1KSzl3OGoydW1NNGk1REFOTnZBZ0ZseFBHZ2ViWHNQQUlJUEVGV0draVlBTGVSb1RkN3RMRQ?oc=5) · Banking Dive

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4084 (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/52.json (key "4084", 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