BlastPoint's Banking Scorecard
Citizens State Bank
Woodville, TX
6 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 +38.9% year over year ($449.2M on the books).
- Delinquency rate 3.13%.
- Return on assets 0.55%.
- Efficiency ratio 76.89% vs a 64.48% peer average.
- Loan-to-deposit ratio 81.97% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Citizens State Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.23% above tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.21% above tier average
- - Nonperforming Asset Ratio 1.64% above tier average
- - ROA 0.77% below tier average
- - Efficiency Ratio 12.41% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$511.4M
+36.8% YoY
+6.9% QoQ
|
+$124.8M |
$386.6M
+1.2% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
73% |
| Total Loans ? |
$368.2M
+38.4% YoY
+4.2% QoQ
|
+$109.8M |
$258.3M
+1.7% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
76% |
| Total Deposits ? |
$449.2M
+38.9% YoY
+7.9% QoQ
|
+$122.4M |
$326.7M
+0.7% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
75% |
| Return on Assets ? |
0.55%
-46.4% YoY
-32.1% QoQ
|
-0.77% |
1.32%
+10.8% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
Bottom 13.7% in tier |
| Net Interest Margin ? |
4.21%
-5.6% YoY
-7.9% QoQ
|
+0.23% |
3.99%
+5.0% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
66% |
| Efficiency Ratio ? |
76.89%
+11.1% YoY
+7.4% QoQ
|
+12.41% |
64.48%
-3.2% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
18% |
| Delinquency Rate ? | 3.13% | +2.21% |
0.92%
+15.7% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
Bottom 5.7% in tier |
| Loan-to-Deposit Ratio ? |
81.97%
-0.3% YoY
-3.5% QoQ
|
+4.02% |
77.95%
+1.0% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
45% |
| Non-Interest-Bearing Deposit Share ? |
22.07%
-20.1% YoY
-2.5% QoQ
|
+0.04% |
22.03%
-0.6% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
55% |
| Nonperforming Asset Ratio ? | 2.30% | +1.64% |
0.67%
+16.4% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
Bottom 5.4% in tier |
| Tier 1 Capital Ratio ? |
16.70%
+1.8% YoY
+4.2% QoQ
|
+0.79% |
15.91%
+1.4% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
75% |
| Non-Interest Income / Assets ? |
0.08%
-21.0% YoY
+26.3% QoQ
|
-0.48% |
0.57%
+7.6% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
Bottom 14.0% in tier |
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 |
22.1%
-5.5pp YoY -0.6pp QoQ |
-0.1pp | 22.1% | 29.2% | 22.2% | 54% |
| 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 |
19.0%
-1.3pp YoY -1.7pp QoQ |
+7.4pp | 11.6% | 14.8% | 12.5% | 86% |
| CRE |
61.3%
+5.4pp YoY -0.2pp QoQ |
+21.8pp | 39.5% | 48.4% | 41.4% | 86% |
| 1-4 Family |
18.6%
-4.0pp YoY +1.6pp QoQ |
-14.0pp | 32.6% | 25.8% | 31.3% | 27% |
| Consumer |
0.4%
-0.3pp YoY -0.1pp QoQ |
-3.7pp | 4.1% | 4.7% | 5.0% | 14% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
16.7%
+0.3pp YoY +0.7pp QoQ |
-2.1pp | 18.8% | 22.7% | 19.7% | 62% |
| Leverage Ratio |
13.2%
-0.6pp YoY -0.3pp QoQ |
+1.0pp | 12.2% | 12.6% | 12.6% | 76% |
| Total Capital Ratio |
18.0%
+0.4pp YoY +0.8pp QoQ |
-1.9pp | 19.9% | 23.8% | 20.8% | 63% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
65
+5 (+8.3%) YoY 0 QoQ |
+6 | 58 | 186 | 482 | 67% |
| Assets per Employee ($) |
$7.9M
+26.3% YoY +6.9% QoQ |
+$349K | $7.5M | $10.1M | $8.8M | 66% |
| Branch Count |
6
0 YoY 0 QoQ |
+1 | 4 | 12 | 18 | 66% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual |
3.1%
+3.0pp QoQ |
+2.2pp | 0.9% | 1.0% | 1.0% | 95% |
| Allowance Coverage |
0.38x
-95.9% QoQ |
-23.77x | 24.15x | 18.82x | 20.23x | 6% |
| Net Charge-off Rate (YTD) |
0.1%
+0.1pp YoY 0.0pp QoQ |
0.0pp | 0.1% | 0.1% | 0.2% | 78% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
4.5%
-4.4pp YoY -2.0pp QoQ |
-7.7pp | 12.2% | 13.2% | 11.6% | 12% |
| Cost of Funds (YTD) |
1.9%
0.0pp YoY 0.0pp QoQ |
+0.2pp | 1.7% | 1.6% | 1.7% | 62% |
| Net Income ($, YTD) |
$1.3M
-28.3% YoY — QoQ |
-$1.2M | $2.6M | $15.9M | $40.4M | 37% |
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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.