BlastPoint's Banking Scorecard

Citizens Community Bank

$100M-$1B Specialty: Agricultural MO FDIC cert 12694

Pilot Grove, MO

3 branches across MO

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

Citizens Community Bank has 2 strengths but faces 1 concern

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

+ Efficiency Ratio 5.31% below tier average
+ Delinquency Rate 0.67% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.12% below tier average

Get updates when Citizens Community Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$144.3M +4.1% YoY +4.5% QoQ	-$241.8M	$386.1M +0.5% YoY	$1.6B +6.5% YoY	$6.2B +9.1% YoY	Bottom 12.7% in tier
Total Loans ?	$93.4M +9.5% YoY +0.9% QoQ	-$162.3M	$255.7M +1.1% YoY	$1.0B +8.5% YoY	$3.2B +10.8% YoY	17%
Total Deposits ?	$127.7M +3.6% YoY +4.9% QoQ	-$200.3M	$328.0M +0.1% YoY	$1.3B +6.1% YoY	$4.8B +8.2% YoY	Bottom 14.5% in tier
Return on Assets ?	1.25% +99.8% YoY +31.0% QoQ	-0.02%	1.27% +12.9% YoY	1.43% +10.8% YoY	1.23% +13.4% YoY	53%
Net Interest Margin ?	3.81% +20.0% YoY +7.5% QoQ	-0.12%	3.93% +6.0% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	47%
Efficiency Ratio ?	59.97% -22.7% YoY -10.2% QoQ	-5.31%	65.29% -4.5% YoY	59.97% -5.2% YoY	66.95% -4.1% YoY	60%
Delinquency Rate ?	0.22% -42.6% YoY -67.0% QoQ	-0.67%	0.89% +18.8% YoY	0.83% +18.3% YoY	0.95% +18.8% YoY	63%
Loan-to-Deposit Ratio ?	73.16% +5.7% YoY -3.9% QoQ	-3.48%	76.64% +0.8% YoY	79.48% +1.6% YoY	76.70% +0.9% YoY	61%
Non-Interest-Bearing Deposit Share ?	29.03% +6.0% YoY +1.9% QoQ	+7.01%	22.02% -1.0% YoY	20.72% +0.3% YoY	22.01% -1.2% YoY	79%
Nonperforming Asset Ratio ?	0.16% -32.3% YoY -64.2% QoQ	-0.48%	0.64% +19.7% YoY	0.67% +20.5% YoY	0.67% +19.3% YoY	63%
Tier 1 Capital Ratio ?	11.58% +0.3% YoY -1.0% QoQ	-4.25%	15.83% +1.5% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	30%
Non-Interest Income / Assets ?	0.10% +15.7% YoY -73.2% QoQ	-0.18%	0.28% +9.3% YoY	0.29% +5.6% YoY	0.32% +4.1% YoY	50%

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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 (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

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 (1 metrics)

550

Non-Interest-Bearing Deposit Share

funding

Value: 29.03%

Peer Median: 22.02%

#550 of 2664 Top 20.6% in $100M-$1B

Top Weaknesses (3 metrics)

2328

Total Assets

size

Value: $144.32M

Peer Median: $386.08M

#2328 of 2664 Bottom 12.7% in $100M-$1B

2279

Total Deposits

size

Value: $127.70M

Peer Median: $327.97M

#2279 of 2664 Bottom 14.5% in $100M-$1B

2205

Total Loans

size

Value: $93.42M

Peer Median: $255.72M

#2205 of 2664 Bottom 17.3% in $100M-$1B