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The Citizens Bank Of Edmond

Edmond, OK · Est. 1912 · Website ↗
C
Trust Grade
Average
Score: 76/100

The Citizens Bank Of Edmond is a bank based in Edmond, Oklahoma, established in 1912, with $440 million in total assets across 2 branches. By Trust Grade it ranks 166th of 170 banks we track in Oklahoma. Its capital ratio of 7.1% trails most similarly sized banks (8th percentile), versus a Oklahoma median of 10.4%. It posted a loss over the most recent period (-0.37% return on assets), a point to watch. No consumer complaints against The Citizens Bank Of Edmond appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$440.0M
$100M–1B institution
Deposits
$401.0M
Branches
2
Capital ratio
7.1%
Bottom 8% of $100M–1B peers · Oklahoma median 10.4%
Return on assets
-0.4%
Bottom 2% of $100M–1B peers · Oklahoma median 1.4%
Rank in Oklahoma
#166
of 170 banks

How The Citizens Bank Of Edmond compares to Oklahoma peers

Capital ratio
Bottom 8% of $100M–1B peers
The Citizens
7.1%
Oklahoma median
10.4%
Higher capital ratio = stronger financial cushion
Return on assets
Bottom 2% of $100M–1B peers
The Citizens
-0.4%
Oklahoma median
1.4%
Higher ROA = more profitable relative to asset base

How we graded The Citizens Bank Of Edmond

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
76/100
Customer experience
n/a
Overall
C · 76
  • Well-capitalized (7.1% capital ratio)
  • Unprofitable over the period (ROA -0.37%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for The Citizens Bank Of Edmond over the analysis window. For a smaller institution this is common and counts in its favor.

Branch locations (2)

  • 32 N Broadway, Edmond, OK 73034
  • 1 E 1st St, Edmond, OK 73034

Are deposits at The Citizens Bank Of Edmond insured?

Yes. The Citizens Bank Of Edmond is an FDIC-insured bank (FDIC certificate #4084). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

The Citizens Bank Of Edmond: frequently asked questions

Is The Citizens Bank Of Edmond a good bank?

The Citizens Bank Of Edmond earns a Bankzia Trust Grade of C (76/100, "Average"), based on a financial-strength score of 76/100 (it has no CFPB complaints on record). Well-capitalized (7.1% capital ratio); Unprofitable over the period (ROA -0.37%).

Is The Citizens Bank Of Edmond FDIC-insured?

Yes. The Citizens Bank Of Edmond is a FDIC-insured bank (FDIC certificate #4084). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.

How big is The Citizens Bank Of Edmond?

The Citizens Bank Of Edmond holds $440 million in total assets, ranking 166th of 170 banks we track in Oklahoma. It operates 2 branches.

Does The Citizens Bank Of Edmond have CFPB complaints?

No CFPB complaints against The Citizens Bank Of Edmond appear in our data over the analysis window, which is typical for a bank of this size.

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Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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