BlastPoint's Banking Scorecard
The Citizens Bank Company
Beverly, OH
5 branches across OH
The Citizens Bank Company has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.32% above tier average
- + Efficiency Ratio 8.88% below tier average
- + Delinquency Rate 0.51% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 20.0% in tier
- - Net Interest Margin 0.19% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$329.7M
+2.3% YoY
-0.4% QoQ
|
-$56.4M |
$386.1M
+0.5% YoY
|
$35.8B
+10.6% YoY
|
$6.2B
+9.1% YoY
|
51% |
| Total Loans ? |
$188.4M
-0.7% YoY
+1.5% QoQ
|
-$67.3M |
$255.7M
+1.1% YoY
|
$15.7B
+12.8% YoY
|
$3.2B
+10.8% YoY
|
46% |
| Total Deposits ? |
$285.5M
+1.7% YoY
-1.2% QoQ
|
-$42.5M |
$328.0M
+0.1% YoY
|
$25.9B
+8.5% YoY
|
$4.8B
+8.2% YoY
|
52% |
| Return on Assets ? |
1.59%
+46.6% YoY
+39.9% QoQ
|
+0.32% |
1.27%
+12.9% YoY
|
1.12%
+9.9% YoY
|
1.23%
+13.4% YoY
|
72% |
| Net Interest Margin ? |
3.74%
+11.1% YoY
+7.3% QoQ
|
-0.19% |
3.93%
+6.0% YoY
|
3.58%
+7.5% YoY
|
3.89%
+5.7% YoY
|
43% |
| Efficiency Ratio ? |
56.40%
-12.6% YoY
-15.3% QoQ
|
-8.88% |
65.29%
-4.5% YoY
|
72.65%
-4.0% YoY
|
66.95%
-4.1% YoY
|
70% |
| Delinquency Rate ? |
0.38%
+11.5% YoY
+20.0% QoQ
|
-0.51% |
0.89%
+18.8% YoY
|
0.65%
+14.5% YoY
|
0.95%
+18.8% YoY
|
52% |
| Loan-to-Deposit Ratio ? |
65.99%
-2.3% YoY
+2.8% QoQ
|
-10.65% |
76.64%
+0.8% YoY
|
79.14%
+0.8% YoY
|
76.70%
+0.9% YoY
|
74% |
| Non-Interest-Bearing Deposit Share ? |
22.78%
-1.7% YoY
-5.1% QoQ
|
+0.76% |
22.02%
-1.0% YoY
|
18.08%
-0.4% YoY
|
22.01%
-1.2% YoY
|
58% |
| Nonperforming Asset Ratio ? |
0.22%
+8.3% YoY
+22.3% QoQ
|
-0.42% |
0.64%
+19.7% YoY
|
0.44%
+14.5% YoY
|
0.67%
+19.3% YoY
|
58% |
| Tier 1 Capital Ratio ? |
13.79%
+5.1% YoY
+3.4% QoQ
|
-2.04% |
15.83%
+1.5% YoY
|
19.44%
+3.1% YoY
|
17.06%
+0.8% YoY
|
55% |
| Non-Interest Income / Assets ? |
0.09%
-1.6% YoY
-76.2% QoQ
|
-0.19% |
0.28%
+9.3% YoY
|
0.57%
-2.4% YoY
|
0.32%
+4.1% YoY
|
47% |
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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.