BlastPoint's Banking Scorecard
Citizens Savings Bank and Trust Company
Designations: ✓ CDFI-certified ✓ Minority Depository Institution
Nashville, TN
2 branches across TN
Citizens Savings Bank and Trust Company faces 8 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 11.5% in tier
- - Deposit Outflow: Bottom 34.2% in tier
- - Liquidity Strain: Bottom 37.6% in tier
- - Efficiency Drag: Bottom 39.9% in tier
- - Capital Constraint: Bottom 64.8% in tier
- - Delinquency Rate 2.09% above tier average
- - Nonperforming Asset Ratio 2.73% above tier average
- - ROA 0.86% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$185.8M
+0.8% YoY
+1.3% QoQ
|
-$200.3M |
$386.1M
+0.5% YoY
|
$2.8B
+35.7% YoY
|
$6.2B
+9.1% YoY
|
23% |
| Total Loans ? |
$159.1M
+2.6% YoY
+1.2% QoQ
|
-$96.6M |
$255.7M
+1.1% YoY
|
$2.0B
+36.6% YoY
|
$3.2B
+10.8% YoY
|
38% |
| Total Deposits ? |
$159.7M
-3.8% YoY
-3.1% QoQ
|
-$168.3M |
$328.0M
+0.1% YoY
|
$2.4B
+35.2% YoY
|
$4.8B
+8.2% YoY
|
24% |
| Return on Assets ? |
0.41%
+139.6% YoY
+151.5% QoQ
|
-0.86% |
1.27%
+12.9% YoY
|
1.12%
+20.1% YoY
|
1.23%
+13.4% YoY
|
Bottom 10.8% in tier |
| Net Interest Margin ? |
3.56%
+11.0% YoY
+3.9% QoQ
|
-0.37% |
3.93%
+6.0% YoY
|
3.93%
+7.0% YoY
|
3.89%
+5.7% YoY
|
33% |
| Efficiency Ratio ? |
80.32%
-13.4% YoY
-9.3% QoQ
|
+15.03% |
65.29%
-4.5% YoY
|
66.13%
-5.5% YoY
|
66.95%
-4.1% YoY
|
15% |
| Delinquency Rate ? |
2.98%
-6.4% YoY
-6.8% QoQ
|
+2.09% |
0.89%
+18.8% YoY
|
0.68%
+13.4% YoY
|
0.95%
+18.8% YoY
|
Bottom 6.3% in tier |
| Loan-to-Deposit Ratio ? |
99.66%
+6.7% YoY
+4.5% QoQ
|
+23.02% |
76.64%
+0.8% YoY
|
79.84%
+2.1% YoY
|
76.70%
+0.9% YoY
|
Bottom 8.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
14.53%
-0.7% YoY
-1.8% QoQ
|
-7.49% |
22.02%
-1.0% YoY
|
18.48%
-3.8% YoY
|
22.01%
-1.2% YoY
|
22% |
| Nonperforming Asset Ratio ? |
3.37%
+3.2% YoY
+2.6% QoQ
|
+2.73% |
0.64%
+19.7% YoY
|
0.56%
+16.1% YoY
|
0.67%
+19.3% YoY
|
Bottom 2.4% in tier |
| Tier 1 Capital Ratio ? |
14.46%
+3.3% YoY
+0.3% QoQ
|
-1.37% |
15.83%
+1.5% YoY
|
14.23%
-1.0% YoY
|
17.06%
+0.8% YoY
|
62% |
| Non-Interest Income / Assets ? |
0.10%
+39.6% YoY
-73.1% QoQ
|
-0.18% |
0.28%
+9.3% YoY
|
0.17%
-1.0% YoY
|
0.32%
+4.1% YoY
|
51% |
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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 (5)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.