BlastPoint's Banking Scorecard
Citizens Savings Bank
Spillville, IA
3 branches across IA
Citizens Savings Bank has 2 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 6.73% below tier average
- + Delinquency Rate 0.71% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 19.4% in tier
- - Credit Quality Pressure: Bottom 23.5% in tier
- - Net Interest Margin 1.68% below tier average
- - Non-Interest Income / Assets 0.27% below tier average
- - ROA 0.57% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$147.5M
+8.2% YoY
+1.9% QoQ
|
-$238.6M |
$386.1M
+0.5% YoY
|
$560.1M
+4.8% YoY
|
$6.2B
+9.1% YoY
|
Bottom 13.6% in tier |
| Total Loans ? |
$65.3M
+5.2% YoY
-1.7% QoQ
|
-$190.5M |
$255.7M
+1.1% YoY
|
$379.9M
+5.0% YoY
|
$3.2B
+10.8% YoY
|
Bottom 6.1% in tier |
| Total Deposits ? |
$127.3M
+7.3% YoY
+2.9% QoQ
|
-$200.7M |
$328.0M
+0.1% YoY
|
$469.6M
+4.4% YoY
|
$4.8B
+8.2% YoY
|
Bottom 14.4% in tier |
| Return on Assets ? |
0.70%
+93.2% YoY
+55.3% QoQ
|
-0.57% |
1.27%
+12.9% YoY
|
1.31%
+22.6% YoY
|
1.23%
+13.4% YoY
|
21% |
| Net Interest Margin ? |
2.25%
+16.9% YoY
+9.5% QoQ
|
-1.68% |
3.93%
+6.0% YoY
|
3.52%
+10.3% YoY
|
3.89%
+5.7% YoY
|
Bottom 1.5% in tier |
| Efficiency Ratio ? |
58.56%
-22.2% YoY
-20.3% QoQ
|
-6.73% |
65.29%
-4.5% YoY
|
58.40%
-7.6% YoY
|
66.95%
-4.1% YoY
|
64% |
| Delinquency Rate ? |
0.18%
+331.4% YoY
+66.7% QoQ
|
-0.71% |
0.89%
+18.8% YoY
|
0.92%
+14.5% YoY
|
0.95%
+18.8% YoY
|
66% |
| Loan-to-Deposit Ratio ? |
51.29%
-2.0% YoY
-4.5% QoQ
|
-25.35% |
76.64%
+0.8% YoY
|
77.40%
+1.1% YoY
|
76.70%
+0.9% YoY
|
Top 10.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
10.81%
-3.5% YoY
-11.6% QoQ
|
-11.21% |
22.02%
-1.0% YoY
|
17.87%
+0.7% YoY
|
22.01%
-1.2% YoY
|
Bottom 12.3% in tier |
| Nonperforming Asset Ratio ? |
0.08%
+319.6% YoY
+60.8% QoQ
|
-0.56% |
0.64%
+19.7% YoY
|
0.58%
+11.7% YoY
|
0.67%
+19.3% YoY
|
73% |
| Tier 1 Capital Ratio ? |
15.48%
-0.2% YoY
-0.5% QoQ
|
-0.35% |
15.83%
+1.5% YoY
|
14.34%
+1.8% YoY
|
17.06%
+0.8% YoY
|
69% |
| Non-Interest Income / Assets ? |
0.01%
-3.1% YoY
-80.5% QoQ
|
-0.27% |
0.28%
+9.3% YoY
|
0.12%
+10.7% YoY
|
0.32%
+4.1% YoY
|
Bottom 2.6% 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 (0)
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.