Citizens Bank of Eldon

Headquarters

110 North Maple Street
Eldon, MO 65026
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.20% 1.05% →
1-Year CD 0.75% 0.95% →
2-Year CD N.A. 1.05% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Citizens Bank of Eldon is an FDIC insured institution located in Eldon, MO. It was founded in 1905 and has approximately $0.16 billion in assets. Customers can open an account at one of its 4 branches.

FDIC Insured Yes
FDIC Certificate # 1956
Date Established 1905
Assets $ 158.62 million
Loans $ 120.85 million
Deposits $ 135.91 million
Capital $ 20.77 million
 

For a more detailed analysis of Citizens Bank of Eldon's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 21, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Savings
0.20% $2,500 $4,999 Learn More
Money Market
0.40% $2,500 $2,999 Learn More
Money Market
0.40% $10,000 $14,999 Learn More
Money Market
0.40% $25,000 $29,999 Learn More
CD Rates APY MIN MAX
3 Mo CD
0.25% $10,000 $14,999 Learn More
3 Mo CD
0.25% $100,000 $199,999 Learn More
6 Mo CD
0.50% $10,000 $14,999 Learn More
6 Mo CD
0.70% $100,000 $199,999 Learn More
12 Mo CD
0.55% $10,000 $14,999 Learn More
12 Mo CD
0.75% $100,000 $199,999 Learn More
18 Mo CD
0.60% $10,000 $14,999 Learn More
18 Mo CD
0.80% $100,000 $199,999 Learn More
30 Mo CD
0.80% $10,000 $14,999 Learn More
30 Mo CD
1.00% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.20% $2,500 $3,499 Learn MoreShow Less

Loan Rates - September 21, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Citizens Bank of Eldon

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.815% 2.750% 0.88 $2,122 $1,021 Learn More
Rocket Mortgage
NMLS ID: 3030
3.872% 3.750% 1.00 $3,750 $1,158 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.990 %
$0 Learn More
More Info
People's United Bank, N.A.
People's United Bank, N.A.
See Table
4.000 %
$0 Learn More
More Info

Note to Citizens Bank of Eldon
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Branches

Citizens Bank of Eldon branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


Citizens Bank of Eldon Locations


Financial Details

Citizens Bank of Eldon Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Citizens Bank of Eldon. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Citizens Bank of Eldon U.S. Bank Average
10.76% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, Citizens Bank of Eldon had $2,314,000 in non-current loans and $20,000 in owned real estate. To cover these potential losses it had $20,774,000 in equity and $923,000 in loans loss reserves. That gives it a Texas Ratio of 10.76%.

Return on Equity
Citizens Bank of Eldon U.S. Bank Average
10.23% 7.80%

Citizens Bank of Eldon has a Return on Equity of 10.23% versus the BestCashCow average of 7.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Citizens Bank of Eldon U.S. Bank Average
13.1% 12.68%

Citizens Bank of Eldon has a Capitalization of 13.1% versus the BestCashCow average of 12.68. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Citizens Bank of Eldon Balance Sheet Analysis

As of March 31, 2020, Citizens Bank of Eldon had assets of $158,622,000, loans of $120,848,000, and deposits of $135,910,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2020
ASSETS
Cash & Balances due from depository institutions $ 15.99 million
Interest-bearing balances $ 11.57 million
Total securities $ 6.84 million
Federal funds sold and reverse repurchase $ 9.06 million
Net loans and leases $ 120.85 million
Loan loss allowance $ 0.92 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.02 million
Goodwill and other intangibles N.A.
All other assets $ 3.85 million
     Total Assets $ 137.85 million
LIABILITIES
Total deposits $ 135.91 million
      Interest-bearing deposits $ 99.75 million
      Deposits held in domestic offices $ 135.91 million
      % insured (estimated) 87.86%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 1.94 million
      Total Liabilities $ 137.85 million
      Shareholders’ Equity $ 20.77 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 1.84 million
Total Interest Expense $ 0.22 million
Net interest income $ 1.62 million
Provision for loan and lease losses $ 0.01 million
Total non interest income $ 0.22 million
Total non interest expense $ 1.09 million
Pre-tax Net Operating Income $ 0.75 million

Bank Loan Profile?

The top three loan types in Citizens Bank of Eldon’s loan portfolio are 1-4 Family Residential Loans, Commercial and Industrial Loans, and Farm Loans.

Compared to other banks in Missouri, Citizens Bank of Eldon has a significantly higher percent of Consumer Auto Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 31.78
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 5.95
Small Business Loans 5.72
Construction and Development Loans 3.42
Commercial Real Estate 6.52
Commercial and Industrial Loans 9.93
Farm Loans 8.41

Frequently Asked Questions About Citizens Bank Of Eldon

Branches and Savings

Is Citizens Bank Of Eldon FDIC insured?

Yes. It is covered under FDIC Certificate #1956.

Why does Citizens Bank Of Eldon pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Citizens Bank Of Eldon CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Citizens Bank Of Eldon a commercial bank?

Yes

Where are Citizens Bank Of Eldon locations?

See branch locations nearby.

Is Citizens Bank Of Eldon open on Saturdays?

Is Citizens Bank Of Eldon open on Sundays?

What time does Citizens Bank Of Eldon open?

What time does Citizens Bank Of Eldon close?

Are Citizens Bank Of Eldon ATMs Open 24/7?

Do Citizens Bank Of Eldon ATMs accept cash deposits?

Can Citizens Bank Of Eldon customers use other ATMs?

Do Citizens Bank Of Eldon branches have notaries?

Will Citizens Bank Of Eldon notarize my document?

What address for Citizens Bank Of Eldon should I put for incoming ACH transfers?

Will the Citizens Bank Of Eldon branch print checks?

Do Citizens Bank Of Eldon checks expire?

Does Citizens Bank Of Eldon require US citizenship to open account?

Can Citizens Bank Of Eldon close my account?

Does Citizens Bank Of Eldon Report to credit bureaus?

Does Citizens Bank Of Eldon Use Equifax?

What is Citizens Bank Of Eldon's ACH Routing Number?

What is Citizens Bank Of Eldon's SWIFT code?

Products

Does Citizens Bank Of Eldon offer mortgages?

Compare mortgage rates here.

Does Citizens Bank Of Eldon offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Citizens Bank Of Eldon offer personal loans?

Compare personal loan rates here.

Does Citizens Bank Of Eldon offer student loans?

Will Citizens Bank Of Eldon cash a check?

Will Citizens Bank Of Eldon redeem a savings bond?

Does Citizens Bank Of Eldon cash savings bonds?

Will Citizens Bank Of Eldon cash money orders?

Can Citizens Bank Of Eldon issue a money order?

Does Citizens Bank Of Eldon do currency exchange?

Background on The Bank

Who owns Citizens Bank Of Eldon?

How long has Citizens Bank Of Eldon been around?

Can Citizens Bank Of Eldon transfer to other banks?

Does Citizens Bank Of Eldon have quick pay?

Does Citizens Bank Of Eldon accept rolled coins?

Will Citizens Bank Of Eldon accept loose change?

Where is Citizens Bank Of Eldon headquarters?

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