BlastPoint's Banking Scorecard
Citizens Bank & Trust Co.
Hutchinson, MN
3 branches across MN
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 151 in MN.
- Deposits -5.6% year over year ($297.4M on the books).
- Delinquency rate 0.26%.
- Return on assets 1.21%.
- Efficiency ratio 62.43% vs a 64.48% peer average.
- Loan-to-deposit ratio 55.25% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Citizens Bank & Trust Co. has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 2.05% below tier average
- + Delinquency Rate 0.66% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.11% below tier average
- - Net Interest Margin 0.80% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$329.0M
-3.0% YoY
+6.1% QoQ
|
-$57.5M |
$386.6M
+1.2% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
51% |
| Total Loans ? |
$164.3M
+2.3% YoY
+2.4% QoQ
|
-$94.0M |
$258.3M
+1.7% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
39% |
| Total Deposits ? |
$297.4M
-5.6% YoY
+11.4% QoQ
|
-$29.3M |
$326.7M
+0.7% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
54% |
| Return on Assets ? |
1.21%
+6.1% YoY
+3.4% QoQ
|
-0.11% |
1.32%
+10.8% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
48% |
| Net Interest Margin ? |
3.19%
+7.6% YoY
+0.1% QoQ
|
-0.80% |
3.99%
+5.0% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
16% |
| Efficiency Ratio ? |
62.43%
+1.7% YoY
-1.2% QoQ
|
-2.05% |
64.48%
-3.2% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
50% |
| Delinquency Rate ? |
0.26%
-44.7% YoY
-45.7% QoQ
|
-0.66% |
0.92%
+15.7% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
61% |
| Loan-to-Deposit Ratio ? |
55.25%
+8.4% YoY
-8.0% QoQ
|
-22.70% |
77.95%
+1.0% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
Top 12.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
29.50%
+13.1% YoY
+31.0% QoQ
|
+7.47% |
22.03%
-0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
81% |
| Nonperforming Asset Ratio ? |
0.20%
-11.6% YoY
-20.5% QoQ
|
-0.47% |
0.67%
+16.4% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
61% |
| Tier 1 Capital Ratio ? |
13.96%
+3.9% YoY
-1.8% QoQ
|
-1.95% |
15.91%
+1.4% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
57% |
| Non-Interest Income / Assets ? |
0.12%
+0.7% YoY
+112.5% QoQ
|
-0.45% |
0.57%
+7.6% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
25% |
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 (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
29.5%
+3.4pp YoY +7.0pp QoQ |
+7.3pp | 22.1% | 21.9% | 22.2% | 80% |
| Brokered Deposits | n/a | n/a | 7.9% | 8.3% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
21.9%
+2.5pp YoY +2.1pp QoQ |
+10.3pp | 11.6% | 14.6% | 12.5% | 91% |
| CRE | n/a | n/a | 39.5% | 36.5% | 41.4% | n/a |
| 1-4 Family |
39.2%
+2.3pp YoY +2.6pp QoQ |
+6.6pp | 32.6% | 29.4% | 31.3% | 69% |
| Consumer |
1.1%
-1.9pp YoY -1.6pp QoQ |
-3.0pp | 4.1% | 4.5% | 5.0% | 31% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
14.0%
+0.5pp YoY -0.3pp QoQ |
-4.9pp | 18.8% | 16.5% | 19.7% | 38% |
| Leverage Ratio |
8.6%
+0.6pp YoY +0.2pp QoQ |
-3.5pp | 12.2% | 11.0% | 12.6% | 8% |
| Total Capital Ratio |
15.1%
+0.5pp YoY -0.3pp QoQ |
-4.9pp | 19.9% | 17.6% | 20.8% | 39% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
32
+1 (+3.2%) YoY -4 (-11.1%) QoQ |
-27 | 58 | 55 | 482 | 30% |
| Assets per Employee ($) |
$10.3M
-6.0% YoY +19.4% QoQ |
+$2.8M | $7.5M | $8.6M | $8.8M | 87% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 4 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.3%
-0.2pp YoY -0.2pp QoQ |
-0.7pp | 0.9% | 1.0% | 1.0% | 35% |
| Allowance Coverage |
4.91x
+76.0% YoY +73.3% QoQ |
-19.24x | 24.15x | 20.41x | 20.23x | 70% |
| Net Charge-off Rate (YTD) | 0.1% | -0.1pp | 0.1% | 0.2% | 0.2% | 76% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
23.8%
-13.1pp YoY +1.0pp QoQ |
+11.6pp | 12.2% | 13.1% | 11.6% | 95% |
| Cost of Funds (YTD) |
1.2%
-0.1pp YoY 0.0pp QoQ |
-0.5pp | 1.7% | 1.7% | 1.7% | 20% |
| Net Income ($, YTD) |
$1.9M
+5.3% YoY — QoQ |
-$616K | $2.6M | $4.5M | $40.4M | 51% |
Get Full Access to Citizens Bank & Trust Co.
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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.