BlastPoint's Banking Scorecard

The Citizens Bank of Edina

$100M-$1B Specialty: Agricultural MO FDIC cert 12457

Edina, MO

2664 banks in the $100M-$1B peer group nationally 143 in MO

The Citizens Bank of Edina has 4 strengths but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Credit Quality Leader: Top 17.9% in tier
+ Deposit Franchise: Top 72.8% in tier
+ ROA 0.72% above tier average
+ Efficiency Ratio 17.44% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 1.7% in tier
- Deposit Outflow: Bottom 7.7% in tier
- Credit Risk Growth: Bottom 15.9% in tier
- Cost Spiral: Bottom 23.0% in tier
- Margin Compression: Bottom 51.1% in tier

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$103.9M -1.2% YoY -1.4% QoQ	-$282.2M	$386.1M +0.5% YoY	$1.6B +6.5% YoY	$6.2B +9.1% YoY	Bottom 1.4% in tier
Total Loans ?	$71.1M +6.1% YoY -0.3% QoQ	-$184.6M	$255.7M +1.1% YoY	$1.0B +8.5% YoY	$3.2B +10.8% YoY	Bottom 7.9% in tier
Total Deposits ?	$88.5M -2.9% YoY -1.8% QoQ	-$239.5M	$328.0M +0.1% YoY	$1.3B +6.1% YoY	$4.8B +8.2% YoY	Bottom 2.0% in tier
Return on Assets ?	1.99% -17.3% YoY -22.5% QoQ	+0.72%	1.27% +12.9% YoY	1.43% +10.8% YoY	1.23% +13.4% YoY	Top 12.7% in tier
Net Interest Margin ?	5.00% -1.1% YoY -2.6% QoQ	+1.07%	3.93% +6.0% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	Top 7.2% in tier
Efficiency Ratio ?	47.85% +35.3% YoY +39.5% QoQ	-17.44%	65.29% -4.5% YoY	59.97% -5.2% YoY	66.95% -4.1% YoY	Top 12.2% in tier
Delinquency Rate ?	0.02% +46.6% YoY -48.0% QoQ	-0.87%	0.89% +18.8% YoY	0.83% +18.3% YoY	0.95% +18.8% YoY	84%
Loan-to-Deposit Ratio ?	80.38% +9.2% YoY +1.5% QoQ	+3.75%	76.64% +0.8% YoY	79.48% +1.6% YoY	76.70% +0.9% YoY	46%
Non-Interest-Bearing Deposit Share ?	27.98% -10.2% YoY -9.9% QoQ	+5.96%	22.02% -1.0% YoY	20.72% +0.3% YoY	22.01% -1.2% YoY	76%
Nonperforming Asset Ratio ?	0.01% +57.5% YoY -47.4% QoQ	-0.62%	0.64% +19.7% YoY	0.67% +20.5% YoY	0.67% +19.3% YoY	Top 14.9% in tier
Tier 1 Capital Ratio ?	14.18% +11.0% YoY -2.2% QoQ	-1.65%	15.83% +1.5% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	59%
Non-Interest Income / Assets ?	0.06% -3.1% YoY -75.4% QoQ	-0.22%	0.28% +9.3% YoY	0.29% +5.6% YoY	0.32% +4.1% YoY	29%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Credit Quality Leader

growth

#120 of 664 • Top 17.9% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.02%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Deposit Franchise

growth

#199 of 272 • Top 72.8% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 27.98%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 5.00%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank declining

Concerns (5)

Credit Quality Pressure

risk

#23 of 1308 • Bottom 1.7% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.02%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ

Deposit Outflow

decline

#40 of 506 • Bottom 7.7% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ

Credit Risk Growth

risk

#156 of 973 • Bottom 15.9% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ

Cost Spiral

risk

#30 of 126 • Bottom 23.0% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 47.85%

(Tier: 65.29%, National: 66.95%)

better than tier avg

126 of 126 Community banks match · 176 nationally

↑ Growing +82 banks QoQ

Margin Compression

decline

#157 of 305 • Bottom 51.1% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.99%

(Tier: 1.27%, National: 1.23%)

better than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (6 metrics)

192

Net Interest Margin

profitability

Value: 5.00%

Peer Median: 3.93%

#192 of 2664 Top 7.2% in $100M-$1B

327

Efficiency Ratio

profitability

Value: 47.85%

Peer Median: 65.29%

#327 of 2664 Top 12.2% in $100M-$1B

340

Return on Assets

profitability

Value: 1.99%

Peer Median: 1.27%

#340 of 2664 Top 12.7% in $100M-$1B

398

Nonperforming Asset Ratio

credit_quality

Value: 0.01%

Peer Median: 0.64%

#398 of 2664 Top 14.9% in $100M-$1B

419

Delinquency Rate

credit_quality

Value: 0.02%

Peer Median: 0.89%

#419 of 2654 Top 15.7% in $100M-$1B

636

Non-Interest-Bearing Deposit Share

funding

Value: 27.98%

Peer Median: 22.02%

#636 of 2664 Top 23.8% in $100M-$1B

Top Weaknesses (3 metrics)

2627

Total Assets

size

Value: $103.86M

Peer Median: $386.08M

#2627 of 2664 Bottom 1.4% in $100M-$1B

2611

Total Deposits

size

Value: $88.47M

Peer Median: $327.97M

#2611 of 2664 Bottom 2.0% in $100M-$1B

2455

Total Loans

size

Value: $71.11M

Peer Median: $255.72M

#2455 of 2664 Bottom 7.9% in $100M-$1B