BlastPoint's Banking Scorecard
The Citizens Bank Company
Beverly, OH
5 branches across OH
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 96 in OH.
- Deposits +2.5% year over year ($291.0M on the books).
- Delinquency rate 0.40%.
- Return on assets 1.46%.
- Efficiency ratio 59.90% vs a 64.48% peer average.
- Loan-to-deposit ratio 63.78% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Citizens Bank Company has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.13% above tier average
- + Efficiency Ratio 4.58% below tier average
- + Delinquency Rate 0.52% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 23.6% in tier
- - Net Interest Margin 0.25% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$334.6M
+0.7% YoY
+1.5% QoQ
|
-$51.9M |
$386.6M
+1.2% YoY
|
$36.7B
+9.4% YoY
|
$6.3B
+7.7% YoY
|
52% |
| Total Loans ? |
$185.6M
-6.3% YoY
-1.5% QoQ
|
-$72.7M |
$258.3M
+1.7% YoY
|
$16.2B
+12.1% YoY
|
$3.2B
+9.4% YoY
|
45% |
| Total Deposits ? |
$291.0M
+2.5% YoY
+1.9% QoQ
|
-$35.7M |
$326.7M
+0.7% YoY
|
$26.4B
+7.6% YoY
|
$4.9B
+7.3% YoY
|
53% |
| Return on Assets ? |
1.46%
+26.4% YoY
-8.2% QoQ
|
+0.13% |
1.32%
+10.8% YoY
|
1.21%
+9.4% YoY
|
1.30%
+12.1% YoY
|
63% |
| Net Interest Margin ? |
3.74%
+10.1% YoY
+0.0% QoQ
|
-0.25% |
3.99%
+5.0% YoY
|
3.65%
+6.4% YoY
|
3.95%
+4.9% YoY
|
39% |
| Efficiency Ratio ? |
59.90%
-2.1% YoY
+6.2% QoQ
|
-4.58% |
64.48%
-3.2% YoY
|
70.70%
-3.8% YoY
|
70.05%
+2.5% YoY
|
57% |
| Delinquency Rate ? |
0.40%
+23.6% YoY
+5.6% QoQ
|
-0.52% |
0.92%
+15.7% YoY
|
0.68%
+23.3% YoY
|
0.98%
+16.3% YoY
|
51% |
| Loan-to-Deposit Ratio ? |
63.78%
-8.6% YoY
-3.3% QoQ
|
-14.17% |
77.95%
+1.0% YoY
|
79.88%
+0.7% YoY
|
79.03%
+2.3% YoY
|
78% |
| Non-Interest-Bearing Deposit Share ? |
23.54%
+1.7% YoY
+3.4% QoQ
|
+1.51% |
22.03%
-0.6% YoY
|
18.59%
+0.9% YoY
|
21.98%
-0.6% YoY
|
61% |
| Nonperforming Asset Ratio ? |
0.22%
+15.1% YoY
+2.5% QoQ
|
-0.45% |
0.67%
+16.4% YoY
|
0.46%
+23.9% YoY
|
0.69%
+15.8% YoY
|
58% |
| Tier 1 Capital Ratio ? |
13.56%
+3.6% YoY
-1.7% QoQ
|
-2.35% |
15.91%
+1.4% YoY
|
18.68%
-0.2% YoY
|
17.09%
+0.8% YoY
|
54% |
| Non-Interest Income / Assets ? |
0.19%
-0.2% YoY
+105.1% QoQ
|
-0.38% |
0.57%
+7.6% YoY
|
1.22%
+2.7% YoY
|
0.66%
+5.2% YoY
|
46% |
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 (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
23.5%
+0.4pp YoY +0.8pp QoQ |
+1.4pp | 22.1% | 18.8% | 22.2% | 61% |
| Brokered Deposits |
2.6%
-1.8pp YoY -0.7pp QoQ |
-5.3pp | 7.9% | 7.7% | 8.5% | 35% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
11.7%
-2.6pp YoY +0.6pp QoQ |
+0.2pp | 11.6% | 10.2% | 12.5% | 62% |
| CRE |
34.5%
-2.8pp YoY -1.6pp QoQ |
-5.0pp | 39.5% | 34.2% | 41.4% | 42% |
| 1-4 Family |
51.7%
+4.3pp YoY +0.4pp QoQ |
+19.1pp | 32.6% | 50.0% | 31.3% | 84% |
| Consumer |
3.6%
+1.0pp YoY +0.3pp QoQ |
-0.5pp | 4.1% | 4.7% | 5.0% | 67% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 22.1% | 19.7% | n/a |
| Leverage Ratio |
13.6%
+0.5pp YoY -0.2pp QoQ |
+1.4pp | 12.2% | 12.9% | 12.6% | 79% |
| Total Capital Ratio | n/a | n/a | 19.9% | 23.2% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
50
+1 (+2.0%) YoY +1 (+2.0%) QoQ |
-9 | 58 | 2,433 | 482 | 53% |
| Assets per Employee ($) |
$6.7M
-1.3% YoY -0.5% QoQ |
-$825K | $7.5M | $7.6M | $8.8M | 46% |
| Branch Count |
5
0 YoY 0 QoQ |
0 | 4 | 81 | 18 | 55% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
0.0pp QoQ |
-0.2pp | 0.3% | 0.2% | 0.4% | 54% |
| Nonaccrual |
0.3%
0.0pp YoY 0.0pp QoQ |
-0.7pp | 0.9% | 0.6% | 1.0% | 37% |
| Allowance Coverage |
7.61x
-12.7% YoY -2.8% QoQ |
-16.54x | 24.15x | 18.95x | 20.23x | 78% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 59% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.0%
+1.2pp YoY -1.2pp QoQ |
-0.2pp | 12.2% | 9.7% | 11.6% | 50% |
| Cost of Funds (YTD) |
1.4%
-0.4pp YoY 0.0pp QoQ |
-0.3pp | 1.7% | 1.7% | 1.7% | 31% |
| Net Income ($, YTD) |
$2.4M
+29.0% YoY — QoQ |
-$137K | $2.6M | $259.3M | $40.4M | 60% |
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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 (0)
Concerns (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.