BlastPoint's Banking Scorecard

The Citizens Bank

$100M-$1B Specialty: Other KY FDIC cert 10520

Morehead, KY

5 branches across KY

2664 banks in the $100M-$1B peer group nationally 88 in KY

The Citizens Bank demonstrates 5 strengths

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

+ Revenue Diversifier: Top 21.3% in tier
+ Profitability Leader: Top 21.8% in tier
+ Net Interest Margin 0.88% above tier average
+ Efficiency Ratio 6.65% below tier average
+ Delinquency Rate 0.82% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when The Citizens Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Total Assets ?	$227.9M +1.2% YoY -1.7% QoQ	-$158.2M	$386.1M +0.5% YoY	$702.0M +4.4% YoY	$6.2B +9.1% YoY	33%
Total Loans ?	$146.8M +5.4% YoY +0.7% QoQ	-$109.0M	$255.7M +1.1% YoY	$492.7M +5.5% YoY	$3.2B +10.8% YoY	35%
Total Deposits ?	$179.3M +0.8% YoY +1.6% QoQ	-$148.7M	$328.0M +0.1% YoY	$590.5M +4.1% YoY	$4.8B +8.2% YoY	29%
Return on Assets ?	2.19% +26.3% YoY +9.6% QoQ	+0.92%	1.27% +12.9% YoY	1.25% +16.2% YoY	1.23% +13.4% YoY	Top 8.8% in tier
Net Interest Margin ?	4.81% +4.8% YoY +0.2% QoQ	+0.88%	3.93% +6.0% YoY	3.88% +7.4% YoY	3.89% +5.7% YoY	Top 10.7% in tier
Efficiency Ratio ?	58.64% -9.5% YoY -3.7% QoQ	-6.65%	65.29% -4.5% YoY	64.22% -6.1% YoY	66.95% -4.1% YoY	64%
Delinquency Rate ?	0.07% -81.2% YoY +137.5% QoQ	-0.82%	0.89% +18.8% YoY	0.89% +17.0% YoY	0.95% +18.8% YoY	78%
Loan-to-Deposit Ratio ?	81.86% +4.6% YoY -0.9% QoQ	+5.22%	76.64% +0.8% YoY	80.71% +1.5% YoY	76.70% +0.9% YoY	42%
Non-Interest-Bearing Deposit Share ?	28.64% +2.5% YoY +6.8% QoQ	+6.63%	22.02% -1.0% YoY	23.47% -1.8% YoY	22.01% -1.2% YoY	78%
Nonperforming Asset Ratio ?	0.04% -80.4% YoY +143.3% QoQ	-0.59%	0.64% +19.7% YoY	0.61% +22.3% YoY	0.67% +19.3% YoY	79%
Tier 1 Capital Ratio ?	16.35% +9.3% YoY +5.3% QoQ	+0.52%	15.83% +1.5% YoY	14.97% -0.1% YoY	17.06% +0.8% YoY	74%
Non-Interest Income / Assets ?	0.25% +16.1% YoY -70.1% QoQ	-0.03%	0.28% +9.3% YoY	0.16% +4.4% YoY	0.32% +4.1% YoY	Top 8.7% in tier

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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 (2)

Revenue Diversifier

growth

#143 of 666 • Top 21.3% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.25%

(Tier: 0.28%, National: 0.32%)

but worse than tier avg

Return on Assets: 2.19%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Profitability Leader

growth

#146 of 666 • Top 21.8% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.19%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

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 (6 metrics)

233

Non-Interest Income / Assets

revenue_mix

Value: 0.25%

Peer Median: 0.28%

#233 of 2664 Top 8.7% in $100M-$1B

235

Return on Assets

profitability

Value: 2.19%

Peer Median: 1.27%

#235 of 2664 Top 8.8% in $100M-$1B

285

Net Interest Margin

profitability

Value: 4.81%

Peer Median: 3.93%

#285 of 2664 Top 10.7% in $100M-$1B

558

Nonperforming Asset Ratio

credit_quality

Value: 0.04%

Peer Median: 0.64%

#558 of 2664 Top 20.9% in $100M-$1B

576

Non-Interest-Bearing Deposit Share

funding

Value: 28.64%

Peer Median: 22.02%

#576 of 2664 Top 21.6% in $100M-$1B

596

Delinquency Rate

credit_quality

Value: 0.07%

Peer Median: 0.89%

#596 of 2654 Top 22.4% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available