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Citizens Bank Of Eldon
Eldon, MO · FDIC Certificate #1956 · Chartered 01/2
Total assets
$247.28M
Total deposits
$216.34M
Total equity
$28.06M
Net loans
$201.83M
Branches (offices)
4
Net income (YTD)
$2.72M
Rank: #2,727 of 4,213 U.S. banks by assets · #112 of 190 in Missouri. Assets changed 6.1% and deposits 5.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.23% |
| Return on equity | 20.06% |
| Net interest margin (YTD) | 5.21% |
| Equity to assets | 11.35% |
| Tier 1 leverage ratio | 11.53% |
| Uninsured deposits (share of deposits) | 13.1% |
| Noncurrent loans (share of loans) | 0.90% |
| Net charge-offs (share of loans) | -0.04% |
| Loans to deposits | 93.3% |
| Real estate loans (share of loans) | 80.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $161.94M | 80.2% | |
| Commercial & industrial | $15.86M | 7.9% | |
| Consumer / individual | $16.15M | 8.0% | |
| Construction & development | $11.69M | 5.8% | |
| Agricultural | $10.33M | 5.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $206.74M | $185.30M | $1.03M | $19.60M |
| Jun 2023 | $213.75M | $184.43M | $1.04M | $20.20M |
| Jun 2024 | $220.05M | $187.96M | $1.43M | $22.51M |
| Jun 2025 | $233.03M | $205.12M | $2.23M | $25.14M |
| Jun 2026 | $247.28M | $216.34M | $2.72M | $28.06M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Missouri | $216.34M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $216.34M.
Similar-sized banks
Hendricks County Bank And Trust Company ($247.43M) · Bodcaw Bank ($247.27M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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