BlastPoint's Banking Scorecard
The Citizens Bank of Edina
Micro
Specialty: Agricultural
MO
FDIC cert 12457
Edina, MO
2498
banks in Micro tier nationally
125 in MO
View Micro leaderboard (MO) →
The Citizens Bank of Edina demonstrates 3 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.49% above tier
- + Net Interest Margin 1.28% above tier
- + Efficiency Ratio 33.44% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$105.3M
+2.5% YoY
+6.2% QoQ
|
-$112.2M |
$217.5M
+2.3% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
24% |
| Total Loans ? |
$71.3M
+2.1% YoY
+9.2% QoQ
|
-$67.9M |
$139.2M
+2.8% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
30% |
| Total Deposits ? |
$90.1M
+0.9% YoY
+6.9% QoQ
|
-$93.6M |
$183.7M
+1.8% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
25% |
| Return on Assets ? |
2.57%
-1.0% YoY
+0.6% QoQ
|
+1.49% |
1.08%
+14.7% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Top 3% in tier |
| Net Interest Margin ? |
5.14%
-0.4% YoY
-1.2% QoQ
|
+1.28% |
3.85%
+6.6% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Top 7% in tier |
| Efficiency Ratio ? |
34.29%
+5.4% YoY
+1.4% QoQ
|
-33.44% |
67.73%
-4.8% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 1% in tier |
| Delinquency Rate ? |
0.04%
-94.4% YoY
-67.5% QoQ
|
-0.60% |
0.64%
+24.4% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
77% |
| Loan-to-Deposit Ratio ? |
79.17%
+1.2% YoY
+2.1% QoQ
|
+4.64% |
74.53%
+0.5% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
56% |
| Non-Interest-Bearing Deposit Share ? |
31.04%
-4.4% YoY
+11.3% QoQ
|
+8.65% |
22.39%
-1.3% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
82% |
| Nonperforming Asset Ratio ? |
0.03%
-94.4% YoY
-66.6% QoQ
|
-0.43% |
0.45%
+25.1% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
77% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.26%
+4.8% YoY
+33.9% QoQ
|
-0.30% |
0.56%
+0.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
34% |
Signature Analysis
Strengths (3)
Return on Assets
metric
Top 3%
in Micro
Why this stands out
Current:
2.57%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 7%
in Micro
Why this stands out
Current:
5.14%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
34.29%
(Tier avg: 67.73%, National avg: 65.09%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
99
99th pctile
Efficiency Ratio
Current: 34.29% · Tier avg: 67.73%
97
97th pctile
Return on Assets
Current: 2.57% · Tier avg: 1.08%
93
93th pctile
Net Interest Margin
Current: 5.14% · Tier avg: 3.85%
82
82th pctile
Non-Interest-Bearing Deposit Share
Current: 31.04% · Tier avg: 22.39%
77
77th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.45%
77
77th pctile
Delinquency Rate
Current: 0.04% · Tier avg: 0.64%
56
56th pctile
Loan-to-Deposit Ratio
Current: 79.17% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
34
34th pctile
Non-Interest Income / Assets
Current: 0.26% · Tier avg: 0.56%
30
30th pctile
Total Loans
Current: $71.3M · Tier avg: $139.2M
25
25th pctile
Total Deposits
Current: $90.1M · Tier avg: $183.7M
24
24th pctile
Total Assets
Current: $105.3M · Tier avg: $217.5M
Top Weaknesses
24
24th pctile
Total Assets
Current: $105.3M · Tier avg: $217.5M
25
25th pctile
Total Deposits
Current: $90.1M · Tier avg: $183.7M
30
30th pctile
Total Loans
Current: $71.3M · Tier avg: $139.2M
34
34th pctile
Non-Interest Income / Assets
Current: 0.26% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
56
56th pctile
Loan-to-Deposit Ratio
Current: 79.17% · Tier avg: 74.53%
77
77th pctile
Delinquency Rate
Current: 0.04% · Tier avg: 0.64%
77
77th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.45%
82
82th pctile
Non-Interest-Bearing Deposit Share
Current: 31.04% · Tier avg: 22.39%
93
93th pctile
Net Interest Margin
Current: 5.14% · Tier avg: 3.85%
97
97th pctile
Return on Assets
Current: 2.57% · Tier avg: 1.08%
99
99th pctile
Efficiency Ratio
Current: 34.29% · Tier avg: 67.73%