The Citizens Bank of Edina

117 South Main Street
Edina, MO 63537

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 12457
Date Established 1914
Assets $0.07 billion
Loans $0.06 billion
Deposits $0.06 billion
Capital $0.01 billion

The Citizens Bank of Edina is an FDIC insured institution located in Edina, MO. It was founded in 1914 and has approximately $0.07 billion in assets.

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

Deposit Rates - September 18, 2019

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Money Market
0.20% $2,500 $49,999 Learn MoreShow Less
CD Rates APY MIN MAX
0.60% $1,000 $99,999 Learn MoreShow Less
0.75% $1,000 $99,999 Learn MoreShow Less
1.10% $1,000 $99,999 Learn MoreShow Less
1.30% $1,000 $99,999 Learn MoreShow Less
1.51% $1,000 $99,999 Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
1.35% $1,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.15% $1,000 - Learn MoreShow Less

Loan Rates - September 18, 2019

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for The Citizens Bank of Edina

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 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
3.662% 3.625% 0.50 $1,130 $1,141 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info

Note to The Citizens Bank of Edina
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Branches

The Citizens Bank of Edina 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


The Citizens Bank of Edina Locations


Financial Details

The Citizens Bank of Edina Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of The Citizens Bank of Edina. 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
The Citizens Bank of Edina U.S. Bank Average
1.73% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s 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, 2019, The Citizens Bank of Edina had $161,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $8,538,000 in equity and $753,000 in loans loss reserves. That gives it a Texas Ratio of 1.73%.

Return on Equity
The Citizens Bank of Edina U.S. Bank Average
18.59% 9.47%

The Citizens Bank of Edina has a Return on Equity of 18.59% versus the BestCashCow average of 9.47%. 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
The Citizens Bank of Edina U.S. Bank Average
12.26% 12.49%

The Citizens Bank of Edina has a Capitalization of 12.26% versus the BestCashCow average of 12.49. 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.

The Citizens Bank of Edina Balance Sheet Analysis

As of March 31, 2019, The Citizens Bank of Edina had assets of $69,632,000, loans of $57,736,000, and deposits of $59,641,000. 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, 2019
ASSETS
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.00 billion
Total securities $0.00 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.06 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.06 billion
LIABILITIES
Total deposits $0.06 billion
      Interest-bearing deposits $0.04 billion
      Deposits held in domestic offices $0.06 billion
      % insured (estimated) 92.34%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.06 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

March 31, 2019
INCOME AND EXPENSES
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in The Citizens Bank of Edina’s loan portfolio are Farm Loans, Commercial and Industrial Loans, and Commercial Real Estate.

Compared to other banks in Missouri, The Citizens Bank of Edina has a significantly higher percent of Farm 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 7.27
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 1.71
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 7.83
Commercial and Industrial Loans 9.23
Farm Loans 39.59

Frequently Asked Questions About The Citizens Bank Of Edina

Branches and Savings

Is The Citizens Bank Of Edina FDIC insured?

Yes. It is covered under FDIC Certificate #12457.

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

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

Why are The Citizens Bank Of Edina CD rates not competitive?

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

Is The Citizens Bank Of Edina a commercial bank?

Yes

Where are The Citizens Bank Of Edina locations?

See branch locations nearby.

Is The Citizens Bank Of Edina open on Saturdays?

Is The Citizens Bank Of Edina open on Sundays?

What time does The Citizens Bank Of Edina open?

What time does The Citizens Bank Of Edina close?

Are The Citizens Bank Of Edina ATMs Open 24/7?

Do The Citizens Bank Of Edina ATMs accept cash deposits?

Can The Citizens Bank Of Edina customers use other ATMs?

Do The Citizens Bank Of Edina branches have notaries?

Will The Citizens Bank Of Edina notarize my document?

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

Will the The Citizens Bank Of Edina branch print checks?

Do The Citizens Bank Of Edina checks expire?

Does The Citizens Bank Of Edina require US citizenship to open account?

Can The Citizens Bank Of Edina close my account?

Does The Citizens Bank Of Edina Report to credit bureaus?

Does The Citizens Bank Of Edina Use Equifax?

What is The Citizens Bank Of Edina's ACH Routing Number?

What is The Citizens Bank Of Edina's SWIFT code?

Products

Does The Citizens Bank Of Edina offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does The Citizens Bank Of Edina offer personal loans?

Compare personal loan rates here.

Does The Citizens Bank Of Edina offer student loans?

Will The Citizens Bank Of Edina cash a check?

Will The Citizens Bank Of Edina redeem a savings bond?

Does The Citizens Bank Of Edina cash savings bonds?

Will The Citizens Bank Of Edina cash money orders?

Can The Citizens Bank Of Edina issue a money order?

Does The Citizens Bank Of Edina do currency exchange?

Background on The Bank

Who owns The Citizens Bank Of Edina?

How long has The Citizens Bank Of Edina been around?

Can The Citizens Bank Of Edina transfer to other banks?

Does The Citizens Bank Of Edina have quick pay?

Does The Citizens Bank Of Edina accept rolled coins?

Will The Citizens Bank Of Edina accept loose change?

Where is The Citizens Bank Of Edina headquarters?

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