BlastPoint's Banking Scorecard
Citizens Community Bank
Pilot Grove, MO
3 branches across MO
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 140 in MO.
- Deposits +2.5% year over year ($125.9M on the books).
- Delinquency rate 0.27%.
- Return on assets 1.19%.
- Efficiency ratio 61.35% vs a 64.48% peer average.
- Loan-to-deposit ratio 75.66% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Citizens Community Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 3.13% below tier average
- + Delinquency Rate 0.64% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.13% below tier average
- - Net Interest Margin 0.10% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$142.6M
+3.0% YoY
-1.2% QoQ
|
-$243.9M |
$386.6M
+1.2% YoY
|
$1.6B
+6.4% YoY
|
$6.3B
+7.7% YoY
|
Bottom 12.1% in tier |
| Total Loans ? |
$95.3M
+8.6% YoY
+2.0% QoQ
|
-$163.1M |
$258.3M
+1.7% YoY
|
$1.0B
+10.0% YoY
|
$3.2B
+9.4% YoY
|
17% |
| Total Deposits ? |
$125.9M
+2.5% YoY
-1.4% QoQ
|
-$200.8M |
$326.7M
+0.7% YoY
|
$1.3B
+6.1% YoY
|
$4.9B
+7.3% YoY
|
Bottom 13.9% in tier |
| Return on Assets ? |
1.19%
+57.1% YoY
-4.3% QoQ
|
-0.13% |
1.32%
+10.8% YoY
|
1.46%
+5.9% YoY
|
1.30%
+12.1% YoY
|
46% |
| Net Interest Margin ? |
3.89%
+17.0% YoY
+2.0% QoQ
|
-0.10% |
3.99%
+5.0% YoY
|
4.55%
+0.7% YoY
|
3.95%
+4.9% YoY
|
47% |
| Efficiency Ratio ? |
61.35%
-15.5% YoY
+2.3% QoQ
|
-3.13% |
64.48%
-3.2% YoY
|
59.57%
-3.2% YoY
|
70.05%
+2.5% YoY
|
53% |
| Delinquency Rate ? |
0.27%
-22.9% YoY
+25.3% QoQ
|
-0.64% |
0.92%
+15.7% YoY
|
0.82%
+12.6% YoY
|
0.98%
+16.3% YoY
|
59% |
| Loan-to-Deposit Ratio ? |
75.66%
+6.0% YoY
+3.4% QoQ
|
-2.29% |
77.95%
+1.0% YoY
|
80.82%
+1.6% YoY
|
79.03%
+2.3% YoY
|
58% |
| Non-Interest-Bearing Deposit Share ? |
27.33%
-25.9% YoY
-5.9% QoQ
|
+5.30% |
22.03%
-0.6% YoY
|
20.71%
-0.5% YoY
|
21.98%
-0.6% YoY
|
74% |
| Nonperforming Asset Ratio ? |
0.20%
-11.0% YoY
+26.3% QoQ
|
-0.47% |
0.67%
+16.4% YoY
|
0.67%
+14.9% YoY
|
0.69%
+15.8% YoY
|
60% |
| Tier 1 Capital Ratio ? |
11.56%
+1.7% YoY
-0.1% QoQ
|
-4.34% |
15.91%
+1.4% YoY
|
15.38%
-1.1% YoY
|
17.09%
+0.8% YoY
|
30% |
| Non-Interest Income / Assets ? |
0.19%
+10.5% YoY
+90.2% QoQ
|
-0.38% |
0.57%
+7.6% YoY
|
0.58%
+5.8% YoY
|
0.66%
+5.2% YoY
|
45% |
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 (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
27.3%
-9.6pp YoY -1.7pp QoQ |
+5.2pp | 22.1% | 20.9% | 22.2% | 74% |
| Brokered Deposits | n/a | n/a | 7.9% | 7.4% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
5.6%
-1.5pp YoY -0.6pp QoQ |
-5.9pp | 11.6% | 12.3% | 12.5% | 24% |
| CRE | n/a | n/a | 39.5% | 36.8% | 41.4% | n/a |
| 1-4 Family |
23.5%
+2.4pp YoY +0.6pp QoQ |
-9.1pp | 32.6% | 31.9% | 31.3% | 38% |
| Consumer |
2.8%
-0.4pp YoY -0.1pp QoQ |
-1.3pp | 4.1% | 4.1% | 5.0% | 57% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 18.5% | 19.7% | n/a |
| Leverage Ratio |
11.6%
+0.2pp YoY 0.0pp QoQ |
-0.6pp | 12.2% | 11.6% | 12.6% | 59% |
| Total Capital Ratio | n/a | n/a | 19.9% | 19.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
21
+3 (+16.7%) YoY +1 (+5.0%) QoQ |
-38 | 58 | 162 | 482 | 12% |
| Assets per Employee ($) |
$6.8M
-11.7% YoY -5.9% QoQ |
-$726K | $7.5M | $8.0M | $8.8M | 48% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 10 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | 0.1% | -0.2pp | 0.3% | 0.3% | 0.4% | 46% |
| Nonaccrual |
0.2%
-0.2pp YoY 0.0pp QoQ |
-0.7pp | 0.9% | 0.8% | 1.0% | 30% |
| Allowance Coverage |
4.22x
+11.8% YoY -20.1% QoQ |
-19.94x | 24.15x | 10.47x | 20.23x | 66% |
| Net Charge-off Rate (YTD) |
0.3%
+0.3pp YoY -0.2pp QoQ |
+0.1pp | 0.1% | 0.3% | 0.2% | 88% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.4%
+3.5pp YoY -0.5pp QoQ |
-1.8pp | 12.2% | 14.3% | 11.6% | 39% |
| Cost of Funds (YTD) |
1.8%
-0.3pp YoY 0.0pp QoQ |
+0.1pp | 1.7% | 1.8% | 1.7% | 55% |
| Net Income ($, YTD) |
$845,000
+63.8% YoY — QoQ |
-$1.7M | $2.6M | $11.3M | $40.4M | 21% |
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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.