Bank · FDIC insured
Citizens Bank of Edmond
A $432.4M bank headquartered in Edmond, OK, with 2 branches in Oklahoma.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: rates are not published online. Savings: only special-purpose accounts (IRA, youth) are published. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- Savings—3.87%Savings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Citizens Bank of Edmond
Citizens Bank of Edmond is based in Edmond, Oklahoma, with additional presence in Oklahoma City.
The bank focuses on its local community, lending 95% of deposits directly back into Edmond and Oklahoma City.
- Headquarters
- 1 E 1st St, Edmond, OK 73034
- FDIC certificate
- 4084 ↗
Branches
2 branches in Oklahoma
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Oklahoma
2 branches
- The Citizens Bank of EdmondMain office1 E 1st St, Edmond, OK 73034Directions
- Main Branch32 N Broadway, Edmond, OK 73034Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 8.50% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.63% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.54% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $97 | $81 | — |
- CapitalLeverage ratio8.50%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.63%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.54%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$97Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Citizens Bank of Edmond are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.