BlastPoint's Banking Scorecard
Citizens Savings Bank
Anamosa, IA
2 branches across IA
Citizens Savings Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 28.2% in tier
- + Nonperforming Asset Ratio 0.64% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.01% below tier average
- - ROA 0.36% below tier average
- - Efficiency Ratio 0.44% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$175.0M
+3.2% YoY
+9.6% QoQ
|
-$211.0M |
$386.1M
+0.5% YoY
|
$560.1M
+4.8% YoY
|
$6.2B
+9.1% YoY
|
21% |
| Total Loans ? |
$69.7M
+10.2% YoY
-1.6% QoQ
|
-$186.0M |
$255.7M
+1.1% YoY
|
$379.9M
+5.0% YoY
|
$3.2B
+10.8% YoY
|
Bottom 7.5% in tier |
| Total Deposits ? |
$159.4M
+2.3% YoY
+10.3% QoQ
|
-$168.6M |
$328.0M
+0.1% YoY
|
$469.6M
+4.4% YoY
|
$4.8B
+8.2% YoY
|
24% |
| Return on Assets ? |
0.91%
+8.0% YoY
+2.2% QoQ
|
-0.36% |
1.27%
+12.9% YoY
|
1.31%
+22.6% YoY
|
1.23%
+13.4% YoY
|
32% |
| Net Interest Margin ? |
2.92%
+9.9% YoY
+4.5% QoQ
|
-1.01% |
3.93%
+6.0% YoY
|
3.52%
+10.3% YoY
|
3.89%
+5.7% YoY
|
Bottom 9.0% in tier |
| Efficiency Ratio ? |
65.72%
-1.6% YoY
-0.1% QoQ
|
+0.44% |
65.29%
-4.5% YoY
|
58.40%
-7.6% YoY
|
66.95%
-4.1% YoY
|
43% |
| Delinquency Rate ? | 0.00% | -0.89% |
0.89%
+18.8% YoY
|
0.92%
+14.5% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
43.74%
+7.8% YoY
-10.9% QoQ
|
-32.90% |
76.64%
+0.8% YoY
|
77.40%
+1.1% YoY
|
76.70%
+0.9% YoY
|
Top 5.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
13.37%
+6.0% YoY
-10.4% QoQ
|
-8.65% |
22.02%
-1.0% YoY
|
17.87%
+0.7% YoY
|
22.01%
-1.2% YoY
|
19% |
| Nonperforming Asset Ratio ? | 0.00% | -0.64% |
0.64%
+19.7% YoY
|
0.58%
+11.7% YoY
|
0.67%
+19.3% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
17.33%
-2.5% YoY
+1.4% QoQ
|
+1.50% |
15.83%
+1.5% YoY
|
14.34%
+1.8% YoY
|
17.06%
+0.8% YoY
|
78% |
| Non-Interest Income / Assets ? |
0.04%
+10.9% YoY
-77.7% QoQ
|
-0.24% |
0.28%
+9.3% YoY
|
0.12%
+10.7% YoY
|
0.32%
+4.1% YoY
|
Bottom 14.1% in tier |
Get Full Access to Citizens Savings Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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.