BlastPoint's Banking Scorecard
Citizens First Bank
Viroqua, WI
6 branches across WI
Citizens First Bank shows strong momentum with 5 strengths and 7.7% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 13.1% in tier
- + Revenue Diversifier: Top 44.7% in tier
- + Net Interest Margin 0.28% above tier average
- + Efficiency Ratio 7.63% below tier average
- + Delinquency Rate 0.54% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$344.2M
+7.7% YoY
-0.1% QoQ
|
-$41.9M |
$386.1M
+0.5% YoY
|
$1.1B
+10.1% YoY
|
$6.2B
+9.1% YoY
|
53% |
| Total Loans ? |
$251.1M
+9.0% YoY
+2.2% QoQ
|
-$4.6M |
$255.7M
+1.1% YoY
|
$816.7M
+9.9% YoY
|
$3.2B
+10.8% YoY
|
60% |
| Total Deposits ? |
$282.2M
+5.2% YoY
+0.2% QoQ
|
-$45.8M |
$328.0M
+0.1% YoY
|
$905.4M
+9.0% YoY
|
$4.8B
+8.2% YoY
|
51% |
| Return on Assets ? |
1.94%
+70.2% YoY
+44.8% QoQ
|
+0.67% |
1.27%
+12.9% YoY
|
1.50%
+15.4% YoY
|
1.23%
+13.4% YoY
|
Top 14.0% in tier |
| Net Interest Margin ? |
4.21%
+17.3% YoY
+9.1% QoQ
|
+0.28% |
3.93%
+6.0% YoY
|
3.77%
+9.2% YoY
|
3.89%
+5.7% YoY
|
69% |
| Efficiency Ratio ? |
57.66%
-17.7% YoY
-13.1% QoQ
|
-7.63% |
65.29%
-4.5% YoY
|
64.74%
-4.5% YoY
|
66.95%
-4.1% YoY
|
67% |
| Delinquency Rate ? |
0.34%
-53.8% YoY
-36.4% QoQ
|
-0.54% |
0.89%
+18.8% YoY
|
0.87%
+31.3% YoY
|
0.95%
+18.8% YoY
|
54% |
| Loan-to-Deposit Ratio ? |
88.98%
+3.6% YoY
+2.0% QoQ
|
+12.35% |
76.64%
+0.8% YoY
|
86.53%
+1.6% YoY
|
76.70%
+0.9% YoY
|
26% |
| Non-Interest-Bearing Deposit Share ? |
21.50%
+21.8% YoY
-13.4% QoQ
|
-0.52% |
22.02%
-1.0% YoY
|
18.27%
-0.8% YoY
|
22.01%
-1.2% YoY
|
52% |
| Nonperforming Asset Ratio ? |
0.25%
-53.2% YoY
-34.9% QoQ
|
-0.39% |
0.64%
+19.7% YoY
|
0.63%
+35.0% YoY
|
0.67%
+19.3% YoY
|
55% |
| Tier 1 Capital Ratio ? |
10.25%
-1.3% YoY
-2.8% QoQ
|
-5.58% |
15.83%
+1.5% YoY
|
14.74%
+0.5% YoY
|
17.06%
+0.8% YoY
|
Bottom 13.0% in tier |
| Non-Interest Income / Assets ? |
0.17%
+40.0% YoY
-67.2% QoQ
|
-0.11% |
0.28%
+9.3% YoY
|
1.15%
+12.5% YoY
|
0.32%
+4.1% YoY
|
80% |
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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 (2)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.