BlastPoint's Banking Scorecard

Citizens State Bank, of Arlington

$100M-$1B Specialty: Agricultural SD FDIC cert 1118

Arlington, SD

3 branches across SD

2664 banks in the $100M-$1B peer group nationally 24 in SD

Citizens State Bank, of Arlington has 3 strengths but faces 4 concerns

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

+ Credit Quality Leader: Top 29.5% in tier
+ Nonperforming Asset Ratio 0.64% below tier average
+ Efficiency Ratio 2.09% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 1.14% below tier average
- Non-Interest-Bearing Deposit Share 13.48% below tier average
- Non-Interest Income / Assets 0.26% below tier average
- ROA 0.30% below tier average

Get updates when Citizens State Bank, of Arlington releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Total Assets ?	$155.1M +9.3% YoY +3.0% QoQ	-$231.0M	$386.1M +0.5% YoY	$68.7B +9.0% YoY	$6.2B +9.1% YoY	16%
Total Loans ?	$74.8M -0.9% YoY -3.3% QoQ	-$180.9M	$255.7M +1.1% YoY	$30.8B +10.3% YoY	$3.2B +10.8% YoY	Bottom 9.0% in tier
Total Deposits ?	$137.1M +9.0% YoY +3.6% QoQ	-$190.8M	$328.0M +0.1% YoY	$54.8B +8.5% YoY	$4.8B +8.2% YoY	17%
Return on Assets ?	0.97% +42.2% YoY +21.8% QoQ	-0.30%	1.27% +12.9% YoY	1.41% +1.8% YoY	1.23% +13.4% YoY	35%
Net Interest Margin ?	2.79% +9.0% YoY +5.1% QoQ	-1.14%	3.93% +6.0% YoY	4.19% +0.4% YoY	3.89% +5.7% YoY	Bottom 6.6% in tier
Efficiency Ratio ?	63.20% -12.0% YoY -7.1% QoQ	-2.09%	65.29% -4.5% YoY	64.00% -0.6% YoY	66.95% -4.1% YoY	50%
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	0.59% +45.1% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	54.53% -9.1% YoY -6.7% QoQ	-22.10%	76.64% +0.8% YoY	71.70% +0.3% YoY	76.70% +0.9% YoY	Top 13.1% in tier
Non-Interest-Bearing Deposit Share ?	8.54% +2.4% YoY +2.6% QoQ	-13.48%	22.02% -1.0% YoY	23.74% -0.7% YoY	22.01% -1.2% YoY	Bottom 8.1% in tier
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.41% +39.3% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	11.63% -2.3% YoY -4.9% QoQ	-4.20%	15.83% +1.5% YoY	15.79% +0.8% YoY	17.06% +0.8% YoY	31%
Non-Interest Income / Assets ?	0.02% -42.5% YoY -77.8% QoQ	-0.26%	0.28% +9.3% YoY	0.27% +0.0% YoY	0.32% +4.1% YoY	Bottom 3.4% 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 (1)

Credit Quality Leader

growth

#197 of 664 • Top 29.5% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

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 (3 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

351

Loan-to-Deposit Ratio

liquidity

Value: 54.53%

Peer Median: 76.64%

#351 of 2664 Top 13.1% in $100M-$1B

Top Weaknesses (6 metrics)

2575

Non-Interest Income / Assets

revenue_mix

Value: 0.02%

Peer Median: 0.28%

#2575 of 2664 Bottom 3.4% in $100M-$1B

2488

Net Interest Margin

profitability

Value: 2.79%

Peer Median: 3.93%

#2488 of 2664 Bottom 6.6% in $100M-$1B

2448

Non-Interest-Bearing Deposit Share

funding

Value: 8.54%

Peer Median: 22.02%

#2448 of 2664 Bottom 8.1% in $100M-$1B

2424

Total Loans

size

Value: $74.79M

Peer Median: $255.72M

#2424 of 2664 Bottom 9.0% in $100M-$1B

2248

Total Assets

size

Value: $155.10M

Peer Median: $386.08M

#2248 of 2664 Bottom 15.7% in $100M-$1B

2199

Total Deposits

size

Value: $137.14M

Peer Median: $327.97M

#2199 of 2664 Bottom 17.5% in $100M-$1B