BlastPoint's Banking Scorecard

Citizens Bank & Trust Co.

$100M-$1B Specialty: Other MN FDIC cert 10218

Hutchinson, MN

3 branches across MN

2664 banks in the $100M-$1B peer group nationally 152 in MN

Citizens Bank & Trust Co. has 2 strengths but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Efficiency Ratio 2.12% below tier average
+ Delinquency Rate 0.41% below tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 4.9% in tier
- Credit Quality Pressure: Bottom 20.3% in tier
- Flatlined Growth: Bottom 35.7% in tier
- ROA 0.10% below tier average
- Net Interest Margin 0.74% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$310.0M -0.9% YoY -3.8% QoQ	-$76.1M	$386.1M +0.5% YoY	$512.9M +5.5% YoY	$6.2B +9.1% YoY	48%
Total Loans ?	$160.4M -1.1% YoY -1.4% QoQ	-$95.3M	$255.7M +1.1% YoY	$288.3M +6.9% YoY	$3.2B +10.8% YoY	39%
Total Deposits ?	$267.0M -6.8% YoY -9.1% QoQ	-$61.0M	$328.0M +0.1% YoY	$443.8M +5.0% YoY	$4.8B +8.2% YoY	48%
Return on Assets ?	1.17% +2.9% YoY +4.5% QoQ	-0.10%	1.27% +12.9% YoY	1.13% +10.7% YoY	1.23% +13.4% YoY	48%
Net Interest Margin ?	3.19% +5.3% YoY +5.1% QoQ	-0.74%	3.93% +6.0% YoY	3.93% +7.5% YoY	3.89% +5.7% YoY	17%
Efficiency Ratio ?	63.17% +1.2% YoY +1.4% QoQ	-2.12%	65.29% -4.5% YoY	64.77% -3.3% YoY	66.95% -4.1% YoY	50%
Delinquency Rate ?	0.48% +1.5% YoY +12.1% QoQ	-0.41%	0.89% +18.8% YoY	1.04% +28.9% YoY	0.95% +18.8% YoY	47%
Loan-to-Deposit Ratio ?	60.07% +6.1% YoY +8.4% QoQ	-16.57%	76.64% +0.8% YoY	76.69% -0.4% YoY	76.70% +0.9% YoY	82%
Non-Interest-Bearing Deposit Share ?	22.51% -9.3% YoY -1.0% QoQ	+0.49%	22.02% -1.0% YoY	21.87% -0.9% YoY	22.01% -1.2% YoY	57%
Nonperforming Asset Ratio ?	0.25% +1.3% YoY +14.9% QoQ	-0.39%	0.64% +19.7% YoY	0.77% +27.1% YoY	0.67% +19.3% YoY	55%
Tier 1 Capital Ratio ?	14.22% +5.9% YoY +3.4% QoQ	-1.61%	15.83% +1.5% YoY	15.37% +0.7% YoY	17.06% +0.8% YoY	59%
Non-Interest Income / Assets ?	0.06% -6.2% YoY -77.6% QoQ	-0.22%	0.28% +9.3% YoY	0.16% +5.0% YoY	0.32% +4.1% YoY	23%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Deposit Outflow

decline

#26 of 506 • Bottom 4.9% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ

Credit Quality Pressure

risk

#266 of 1308 • Bottom 20.3% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.48%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ

Flatlined Growth

risk

#184 of 512 • Bottom 35.7% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 1.17%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (1 metrics)

492

Loan-to-Deposit Ratio

liquidity

Value: 60.07%

Peer Median: 76.64%

#492 of 2664 Top 18.4% in $100M-$1B

Top Weaknesses (2 metrics)

2207

Net Interest Margin

profitability

Value: 3.19%

Peer Median: 3.93%

#2207 of 2664 Bottom 17.2% in $100M-$1B

2060

Non-Interest Income / Assets

revenue_mix

Value: 0.06%

Peer Median: 0.28%

#2060 of 2664 Bottom 22.7% in $100M-$1B