BlastPoint's Banking Scorecard
Citizens State Bank
Woodville, TX
6 branches across TX
Citizens State Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.64% above tier average
- + Delinquency Rate 0.76% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 20.2% in tier
- - Margin Compression: Bottom 55.4% in tier
- - Efficiency Ratio 6.33% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$478.4M
+31.1% YoY
+3.4% QoQ
|
+$92.3M |
$386.1M
+0.5% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
70% |
| Total Loans ? |
$353.5M
+53.1% YoY
+1.9% QoQ
|
+$97.8M |
$255.7M
+1.1% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
75% |
| Total Deposits ? |
$416.1M
+32.1% YoY
+3.8% QoQ
|
+$88.1M |
$328.0M
+0.1% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
71% |
| Return on Assets ? |
0.81%
-25.7% YoY
+1.2% QoQ
|
-0.46% |
1.27%
+12.9% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
27% |
| Net Interest Margin ? |
4.57%
+5.7% YoY
+3.3% QoQ
|
+0.64% |
3.93%
+6.0% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
84% |
| Efficiency Ratio ? |
71.62%
+4.9% YoY
+0.6% QoQ
|
+6.33% |
65.29%
-4.5% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
29% |
| Delinquency Rate ? |
0.13%
+29.0% QoQ
|
-0.76% |
0.89%
+18.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
71% |
| Loan-to-Deposit Ratio ? |
84.95%
+15.9% YoY
-1.8% QoQ
|
+8.32% |
76.64%
+0.8% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
35% |
| Non-Interest-Bearing Deposit Share ? |
22.64%
-9.7% YoY
-1.3% QoQ
|
+0.62% |
22.02%
-1.0% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
57% |
| Nonperforming Asset Ratio ? |
0.15%
+86.9% YoY
+21.1% QoQ
|
-0.48% |
0.64%
+19.7% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
64% |
| Tier 1 Capital Ratio ? |
15.71%
-13.8% YoY
-2.5% QoQ
|
-0.12% |
15.83%
+1.5% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
71% |
| Non-Interest Income / Assets ? |
0.07%
+23.4% YoY
-71.4% QoQ
|
-0.21% |
0.28%
+9.3% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
30% |
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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 Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.