BlastPoint's Banking Scorecard
Citizens State Bank and Trust Co., Ellsworth, Kansas
Ellsworth, KS
6 branches across KS
Citizens State Bank and Trust Co., Ellsworth, Kansas has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 48.5% in tier
- + ROA 0.25% above tier average
- + Efficiency Ratio 5.45% below tier average
- + Delinquency Rate 0.81% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 27.5% in tier
- - Net Interest Margin 0.63% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$275.2M
+4.3% YoY
-1.6% QoQ
|
-$110.9M |
$386.1M
+0.5% YoY
|
$509.2M
+7.2% YoY
|
$6.2B
+9.1% YoY
|
41% |
| Total Loans ? |
$162.9M
+7.4% YoY
-1.6% QoQ
|
-$92.8M |
$255.7M
+1.1% YoY
|
$338.5M
+8.8% YoY
|
$3.2B
+10.8% YoY
|
39% |
| Total Deposits ? |
$212.2M
+6.4% YoY
-1.6% QoQ
|
-$115.8M |
$328.0M
+0.1% YoY
|
$424.4M
+7.3% YoY
|
$4.8B
+8.2% YoY
|
37% |
| Return on Assets ? |
1.52%
+23.3% YoY
+19.7% QoQ
|
+0.25% |
1.27%
+12.9% YoY
|
1.40%
+19.8% YoY
|
1.23%
+13.4% YoY
|
69% |
| Net Interest Margin ? |
3.30%
+17.6% YoY
+13.1% QoQ
|
-0.63% |
3.93%
+6.0% YoY
|
3.92%
+4.5% YoY
|
3.89%
+5.7% YoY
|
22% |
| Efficiency Ratio ? |
59.83%
-5.0% YoY
-4.1% QoQ
|
-5.45% |
65.29%
-4.5% YoY
|
62.29%
-5.0% YoY
|
66.95%
-4.1% YoY
|
60% |
| Delinquency Rate ? |
0.08%
-72.8% YoY
+46.5% QoQ
|
-0.81% |
0.89%
+18.8% YoY
|
0.77%
+10.4% YoY
|
0.95%
+18.8% YoY
|
76% |
| Loan-to-Deposit Ratio ? |
76.79%
+0.9% YoY
-0.1% QoQ
|
+0.15% |
76.64%
+0.8% YoY
|
71.79%
+1.2% YoY
|
76.70%
+0.9% YoY
|
53% |
| Non-Interest-Bearing Deposit Share ? |
19.69%
+0.1% YoY
+1.6% QoQ
|
-2.33% |
22.02%
-1.0% YoY
|
22.83%
-2.0% YoY
|
22.01%
-1.2% YoY
|
44% |
| Nonperforming Asset Ratio ? |
0.05%
-72.0% YoY
+46.5% QoQ
|
-0.59% |
0.64%
+19.7% YoY
|
0.51%
+12.5% YoY
|
0.67%
+19.3% YoY
|
78% |
| Tier 1 Capital Ratio ? |
9.58%
-45.4% YoY
-0.2% QoQ
|
-6.25% |
15.83%
+1.5% YoY
|
17.98%
-0.9% YoY
|
17.06%
+0.8% YoY
|
Bottom 5.4% in tier |
| Non-Interest Income / Assets ? |
0.21%
+2.8% YoY
-73.2% QoQ
|
-0.07% |
0.28%
+9.3% YoY
|
0.28%
-1.8% YoY
|
0.32%
+4.1% YoY
|
Top 12.0% in tier |
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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 (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.