BlastPoint's Banking Scorecard
Citizens Savings Bank
Anamosa, IA
2 branches across IA
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 167 in IA.
- Deposits +6.4% year over year ($151.3M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.02%.
- Efficiency ratio 63.90% vs a 64.48% peer average.
- Loan-to-deposit ratio 45.36% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Citizens Savings Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 27.2% in tier
- + Nonperforming Asset Ratio 0.67% below tier average
- + Efficiency Ratio 0.58% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.01% below tier average
- - ROA 0.31% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$165.9M
+6.9% YoY
-5.2% QoQ
|
-$220.7M |
$386.6M
+1.2% YoY
|
$566.2M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
18% |
| Total Loans ? |
$68.6M
+5.9% YoY
-1.5% QoQ
|
-$189.7M |
$258.3M
+1.7% YoY
|
$385.0M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
Bottom 7.0% in tier |
| Total Deposits ? |
$151.3M
+6.4% YoY
-5.1% QoQ
|
-$175.4M |
$326.7M
+0.7% YoY
|
$472.4M
+6.3% YoY
|
$4.9B
+7.3% YoY
|
22% |
| Return on Assets ? |
1.02%
+19.2% YoY
+11.5% QoQ
|
-0.31% |
1.32%
+10.8% YoY
|
1.58%
+39.1% YoY
|
1.30%
+12.1% YoY
|
35% |
| Net Interest Margin ? |
2.97%
+10.2% YoY
+1.9% QoQ
|
-1.01% |
3.99%
+5.0% YoY
|
3.58%
+9.0% YoY
|
3.95%
+4.9% YoY
|
Bottom 9.1% in tier |
| Efficiency Ratio ? |
63.90%
-4.6% YoY
-2.8% QoQ
|
-0.58% |
64.48%
-3.2% YoY
|
57.74%
-6.0% YoY
|
70.05%
+2.5% YoY
|
46% |
| Delinquency Rate ? | 0.00% | -0.92% |
0.92%
+15.7% YoY
|
0.99%
+12.8% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
45.36%
-0.5% YoY
+3.7% QoQ
|
-32.59% |
77.95%
+1.0% YoY
|
80.39%
+2.7% YoY
|
79.03%
+2.3% YoY
|
Top 6.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
13.96%
+0.8% YoY
+4.4% QoQ
|
-8.07% |
22.03%
-0.6% YoY
|
17.72%
+0.8% YoY
|
21.98%
-0.6% YoY
|
21% |
| Nonperforming Asset Ratio ? | 0.00% | -0.67% |
0.67%
+16.4% YoY
|
0.63%
+7.9% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
17.57%
-1.8% YoY
+1.4% QoQ
|
+1.66% |
15.91%
+1.4% YoY
|
14.69%
+3.0% YoY
|
17.09%
+0.8% YoY
|
79% |
| Non-Interest Income / Assets ? |
0.09%
+3.0% YoY
+127.4% QoQ
|
-0.47% |
0.57%
+7.6% YoY
|
0.24%
+5.5% YoY
|
0.66%
+5.2% YoY
|
16% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
14.0%
+0.1pp YoY +0.6pp QoQ |
-8.2pp | 22.1% | 17.8% | 22.2% | 20% |
| Brokered Deposits | n/a | n/a | 7.9% | 6.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
15.1%
+4.1pp YoY +1.8pp QoQ |
+3.5pp | 11.6% | 12.8% | 12.5% | 76% |
| CRE |
14.4%
-1.3pp YoY +0.2pp QoQ |
-25.2pp | 39.5% | 28.3% | 41.4% | 10% |
| 1-4 Family |
11.5%
-1.1pp YoY -0.2pp QoQ |
-21.2pp | 32.6% | 23.0% | 31.3% | 13% |
| Consumer |
1.6%
+0.1pp YoY +0.2pp QoQ |
-2.5pp | 4.1% | 2.9% | 5.0% | 41% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
17.6%
-0.3pp YoY +0.2pp QoQ |
-1.3pp | 18.8% | 15.4% | 19.7% | 67% |
| Leverage Ratio |
9.5%
-0.1pp YoY -0.2pp QoQ |
-2.7pp | 12.2% | 12.4% | 12.6% | 21% |
| Total Capital Ratio |
18.4%
-0.3pp YoY +0.2pp QoQ |
-1.6pp | 19.9% | 16.5% | 20.8% | 65% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
21
0 YoY 0 QoQ |
-38 | 58 | 64 | 482 | 12% |
| Assets per Employee ($) |
$7.9M
+6.9% YoY -5.2% QoQ |
+$380K | $7.5M | $8.9M | $8.8M | 66% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 5 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 1.0% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 18.97x | 20.23x | n/a |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.1% | 0.2% | 15% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.4%
+0.7pp YoY +1.2pp QoQ |
+1.2pp | 12.2% | 12.8% | 11.6% | 58% |
| Cost of Funds (YTD) |
1.3%
-0.2pp YoY 0.0pp QoQ |
-0.4pp | 1.7% | 1.8% | 1.7% | 26% |
| Net Income ($, YTD) |
$847,000
+22.9% YoY — QoQ |
-$1.7M | $2.6M | $4.0M | $40.4M | 22% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.