BlastPoint's Banking Scorecard

The Citizens Bank

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

Morehead, KY

5 branches across KY

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 88 in KY.
Deposits -0.7% year over year ($181.9M on the books).
Delinquency rate 0.06%.
Return on assets 2.15%.
Efficiency ratio 59.30% vs a 64.48% peer average.
Loan-to-deposit ratio 82.83% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 88 in KY

View $100M-$1B leaderboard (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 24.4% in tier
+ Profitability Leader: Top 28.3% in tier
+ Net Interest Margin 0.86% above tier average
+ Efficiency Ratio 5.18% below tier average
+ Delinquency Rate 0.86% 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-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Total Assets ?	$228.6M +1.1% YoY +0.3% QoQ	-$158.0M	$386.6M +1.2% YoY	$707.7M +4.5% YoY	$6.3B +7.7% YoY	33%
Total Loans ?	$150.7M +5.8% YoY +2.7% QoQ	-$107.7M	$258.3M +1.7% YoY	$500.8M +5.4% YoY	$3.2B +9.4% YoY	35%
Total Deposits ?	$181.9M -0.7% YoY +1.5% QoQ	-$144.8M	$326.7M +0.7% YoY	$593.9M +4.1% YoY	$4.9B +7.3% YoY	30%
Return on Assets ?	2.15% +19.2% YoY -1.9% QoQ	+0.82%	1.32% +10.8% YoY	1.28% +12.5% YoY	1.30% +12.1% YoY	Top 9.9% in tier
Net Interest Margin ?	4.84% +3.7% YoY +0.6% QoQ	+0.86%	3.99% +5.0% YoY	3.93% +6.2% YoY	3.95% +4.9% YoY	Top 11.0% in tier
Efficiency Ratio ?	59.30% -6.7% YoY +1.1% QoQ	-5.18%	64.48% -3.2% YoY	64.24% -3.9% YoY	70.05% +2.5% YoY	59%
Delinquency Rate ?	0.06% -81.9% YoY -7.6% QoQ	-0.86%	0.92% +15.7% YoY	0.91% +20.0% YoY	0.98% +16.3% YoY	78%
Loan-to-Deposit Ratio ?	82.83% +6.5% YoY +1.2% QoQ	+4.88%	77.95% +1.0% YoY	81.25% +1.1% YoY	79.03% +2.3% YoY	43%
Non-Interest-Bearing Deposit Share ?	28.61% +1.7% YoY -0.1% QoQ	+6.58%	22.03% -0.6% YoY	23.27% -2.3% YoY	21.98% -0.6% YoY	78%
Nonperforming Asset Ratio ?	0.04% -81.0% YoY -5.4% QoQ	-0.63%	0.67% +16.4% YoY	0.64% +23.9% YoY	0.69% +15.8% YoY	80%
Tier 1 Capital Ratio ?	16.04% +8.7% YoY -1.9% QoQ	+0.13%	15.91% +1.4% YoY	16.76% +11.6% YoY	17.09% +0.8% YoY	72%
Non-Interest Income / Assets ?	0.49% +18.6% YoY +93.2% QoQ	-0.07%	0.57% +7.6% YoY	0.31% +0.1% YoY	0.66% +5.2% YoY	Top 9.8% in tier

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 (KY)	National Avg	Tier Percentile
Noninterest-Bearing	28.6% +0.5pp YoY 0.0pp QoQ	+6.5pp	22.1%	23.5%	22.2%	78%
Brokered Deposits	n/a	n/a	7.9%	5.4%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
C&I	6.6% +0.1pp YoY -0.2pp QoQ	-5.0pp	11.6%	8.6%	12.5%	30%
CRE	16.1% +0.7pp YoY +0.5pp QoQ	-23.4pp	39.5%	37.1%	41.4%	12%
1-4 Family	55.2% -0.1pp YoY -0.2pp QoQ	+22.5pp	32.6%	41.6%	31.3%	86%
Consumer	5.9% -0.5pp YoY -0.1pp QoQ	+1.8pp	4.1%	4.8%	5.0%	82%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
CET1 Ratio	16.0% +1.3pp YoY -0.3pp QoQ	-2.8pp	18.8%	20.2%	19.7%	58%
Leverage Ratio	8.7% +0.8pp YoY -0.2pp QoQ	-3.5pp	12.2%	14.0%	12.6%	8%
Total Capital Ratio	17.3% +1.3pp YoY -0.3pp QoQ	-2.7pp	19.9%	21.3%	20.8%	58%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Full-Time Employees	50 0 YoY 0 QoQ	-9	58	105	482	53%
Assets per Employee ($)	$4.6M +1.1% YoY +0.3% QoQ	-$2.9M	$7.5M	$6.3M	$8.8M	9%
Branch Count	5 0 YoY 0 QoQ	0	4	8	18	55%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY	-0.3pp	0.3%	0.3%	0.4%	7%
Nonaccrual	0.1% -0.3pp YoY 0.0pp QoQ	-0.9pp	0.9%	0.8%	1.0%	13%
Allowance Coverage	15.96x +436.3% YoY +6.5% QoQ	-8.20x	24.15x	7.45x	20.23x	87%
Net Charge-off Rate (YTD)	0.1% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	70%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (KY)	National Avg	Tier Percentile
ROE	26.3% +1.2pp YoY -0.8pp QoQ	+14.1pp	12.2%	13.3%	11.6%	97%
Cost of Funds (YTD)	0.7% -0.1pp YoY 0.0pp QoQ	-1.0pp	1.7%	1.7%	1.7%	4%
Net Income ($, YTD)	$2.5M +25.5% YoY — QoQ	-$93K	$2.6M	$5.1M	$40.4M	61%

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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

#162 of 661 • Top 24.4% 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: 0.49%

(Tier: 0.57%, National: 0.66%)

but worse than tier avg

Return on Assets: 2.15%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

Profitability Leader

growth

#188 of 661 • Top 28.3% in tier

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

Why this signature

Return on Assets: 2.15%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | 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 2643 peers in $100M-$1B

Top Strengths (6 metrics)

259

Non-Interest Income / Assets

revenue_mix

Value: 0.49%

Peer Median: 0.57%

#259 of 2643 Top 9.8% in $100M-$1B

262

Return on Assets

profitability

Value: 2.15%

Peer Median: 1.32%

#262 of 2643 Top 9.9% in $100M-$1B

292

Net Interest Margin

profitability

Value: 4.84%

Peer Median: 3.99%

#292 of 2643 Top 11.0% in $100M-$1B

529

Nonperforming Asset Ratio

credit_quality

Value: 0.04%

Peer Median: 0.67%

#529 of 2643 Top 20.0% in $100M-$1B

586

Non-Interest-Bearing Deposit Share

funding

Value: 28.61%

Peer Median: 22.03%

#586 of 2643 Top 22.1% in $100M-$1B

584

Delinquency Rate

credit_quality

Value: 0.06%

Peer Median: 0.92%

#584 of 2633 Top 22.1% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available