BlastPoint's Banking Scorecard
Citizens State Bank
Corrigan, TX
2 branches across TX
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 219 in TX.
- Deposits -0.8% year over year ($165.7M on the books).
- Delinquency rate 0.50%.
- Return on assets 1.91%.
- Efficiency ratio 54.04% vs a 64.48% peer average.
- Loan-to-deposit ratio 72.75% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Citizens State Bank demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.59% above tier average
- + Net Interest Margin 0.28% above tier average
- + Efficiency Ratio 10.44% below tier average
- + Delinquency Rate 0.41% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$190.6M
+2.0% YoY
+0.4% QoQ
|
-$196.0M |
$386.6M
+1.2% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
24% |
| Total Loans ? |
$120.5M
-2.5% YoY
+0.4% QoQ
|
-$137.8M |
$258.3M
+1.7% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
25% |
| Total Deposits ? |
$165.7M
-0.8% YoY
-1.5% QoQ
|
-$161.1M |
$326.7M
+0.7% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
25% |
| Return on Assets ? |
1.91%
+4.4% YoY
-1.5% QoQ
|
+0.59% |
1.32%
+10.8% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
84% |
| Net Interest Margin ? |
4.26%
+4.7% YoY
+0.4% QoQ
|
+0.28% |
3.99%
+5.0% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
68% |
| Efficiency Ratio ? |
54.04%
+0.3% YoY
+1.7% QoQ
|
-10.44% |
64.48%
-3.2% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
74% |
| Delinquency Rate ? |
0.50%
-39.6% YoY
-48.0% QoQ
|
-0.41% |
0.92%
+15.7% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
46% |
| Loan-to-Deposit Ratio ? |
72.75%
-1.7% YoY
+1.9% QoQ
|
-5.20% |
77.95%
+1.0% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
64% |
| Non-Interest-Bearing Deposit Share ? |
28.39%
-2.3% YoY
-4.4% QoQ
|
+6.36% |
22.03%
-0.6% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
77% |
| Nonperforming Asset Ratio ? |
0.34%
-37.4% YoY
-43.7% QoQ
|
-0.32% |
0.67%
+16.4% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
48% |
| Tier 1 Capital Ratio ? |
12.04%
+5.2% YoY
+1.0% QoQ
|
-3.87% |
15.91%
+1.4% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
36% |
| Non-Interest Income / Assets ? |
0.24%
-10.9% YoY
+97.1% QoQ
|
-0.33% |
0.57%
+7.6% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
61% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
28.4%
-0.7pp YoY -1.3pp QoQ |
+6.2pp | 22.1% | 29.2% | 22.2% | 77% |
| Brokered Deposits | n/a | n/a | 7.9% | 8.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
18.2%
-2.2pp YoY -0.4pp QoQ |
+6.6pp | 11.6% | 14.8% | 12.5% | 84% |
| CRE | n/a | n/a | 39.5% | 48.4% | 41.4% | n/a |
| 1-4 Family |
32.4%
-0.7pp YoY +0.3pp QoQ |
-0.3pp | 32.6% | 25.8% | 31.3% | 56% |
| Consumer |
18.6%
+0.7pp YoY -0.3pp QoQ |
+14.5pp | 4.1% | 4.7% | 5.0% | 97% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 22.7% | 19.7% | n/a |
| Leverage Ratio |
12.0%
+0.6pp YoY +0.1pp QoQ |
-0.1pp | 12.2% | 12.6% | 12.6% | 65% |
| Total Capital Ratio | n/a | n/a | 19.9% | 23.8% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
27
-3 (-10.0%) YoY +1 (+3.8%) QoQ |
-32 | 58 | 186 | 482 | 22% |
| Assets per Employee ($) |
$7.1M
+13.3% YoY -3.3% QoQ |
-$458K | $7.5M | $10.1M | $8.8M | 53% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 12 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.3%
-0.5pp YoY -0.6pp QoQ |
0.0pp | 0.3% | 0.3% | 0.4% | 76% |
| Nonaccrual |
0.2%
+0.2pp YoY +0.1pp QoQ |
-0.8pp | 0.9% | 1.0% | 1.0% | 27% |
| Allowance Coverage |
2.42x
+66.4% YoY +77.1% QoQ |
-21.73x | 24.15x | 18.82x | 20.23x | 53% |
| Net Charge-off Rate (YTD) |
0.3%
0.0pp YoY +0.4pp QoQ |
+0.1pp | 0.1% | 0.1% | 0.2% | 88% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
17.6%
-1.6pp YoY -0.3pp QoQ |
+5.4pp | 12.2% | 13.2% | 11.6% | 80% |
| Cost of Funds (YTD) |
1.6%
-0.2pp YoY 0.0pp QoQ |
-0.1pp | 1.7% | 1.6% | 1.7% | 44% |
| Net Income ($, YTD) |
$1.8M
+5.9% YoY — QoQ |
-$744K | $2.6M | $15.9M | $40.4M | 48% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.