BlastPoint's Banking Scorecard

Citizens Bank

$1B-$10B Specialty: Commercial WI FDIC cert 13055

Designations: ✓ Community bank

Mukwonago, WI

11 branches across WI

884 banks in the $1B-$10B peer group nationally 28 in WI

Citizens Bank has 2 strengths but faces 2 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

+ Efficiency Ratio 4.20% below tier average
+ Delinquency Rate 0.51% below tier average

Key Concerns

Areas that may need attention

- ROA 0.11% below tier average
- Net Interest Margin 0.08% below tier average

Get updates when Citizens Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Total Assets ?	$1.2B +5.4% YoY -0.1% QoQ	-$1.6B	$2.8B -0.1% YoY	$1.1B +10.1% YoY	$6.2B +9.1% YoY	Bottom 14.7% in tier
Total Loans ?	$770.5M +8.7% YoY +3.6% QoQ	-$1.2B	$2.0B +0.6% YoY	$816.7M +9.9% YoY	$3.2B +10.8% YoY	Bottom 11.9% in tier
Total Deposits ?	$992.8M +3.3% YoY -0.1% QoQ	-$1.4B	$2.3B -0.3% YoY	$905.4M +9.0% YoY	$4.8B +8.2% YoY	Bottom 14.4% in tier
Return on Assets ?	1.26% +48.6% YoY -8.6% QoQ	-0.11%	1.37% +19.6% YoY	1.50% +15.4% YoY	1.23% +13.4% YoY	53%
Net Interest Margin ?	3.73% +13.1% YoY +2.9% QoQ	-0.08%	3.82% +6.9% YoY	3.77% +9.2% YoY	3.89% +5.7% YoY	55%
Efficiency Ratio ?	56.87% -5.5% YoY +3.3% QoQ	-4.20%	61.06% -4.6% YoY	64.74% -4.5% YoY	66.95% -4.1% YoY	59%
Delinquency Rate ?	0.38% -10.9% YoY +7.9% QoQ	-0.51%	0.89% +14.1% YoY	0.87% +31.3% YoY	0.95% +18.8% YoY	63%
Loan-to-Deposit Ratio ?	77.61% +5.3% YoY +3.7% QoQ	-6.59%	84.20% +0.3% YoY	86.53% +1.6% YoY	76.70% +0.9% YoY	71%
Non-Interest-Bearing Deposit Share ?	24.15% +0.6% YoY -6.8% QoQ	+2.86%	21.29% -2.5% YoY	18.27% -0.8% YoY	22.01% -1.2% YoY	69%
Nonperforming Asset Ratio ?	0.25% -8.1% YoY +12.0% QoQ	-0.42%	0.67% +15.6% YoY	0.63% +35.0% YoY	0.67% +19.3% YoY	69%
Tier 1 Capital Ratio ?	13.45% -1.2% YoY -5.5% QoQ	-1.71%	15.16% +2.0% YoY	14.74% +0.5% YoY	17.06% +0.8% YoY	55%
Non-Interest Income / Assets ?	0.13% +3.0% YoY -75.2% QoQ	-0.13%	0.26% +1.6% YoY	1.15% +12.5% YoY	0.32% +4.1% YoY	43%

Get Full Access to Citizens Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 884 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (3 metrics)

780

Total Loans

size

Value: $770.51M

Peer Median: $1.96B

#780 of 884 Bottom 11.9% in $1B-$10B

758

Total Deposits

size

Value: $992.75M

Peer Median: $2.34B

#758 of 884 Bottom 14.4% in $1B-$10B

755

Total Assets

size

Value: $1.17B

Peer Median: $2.82B

#755 of 884 Bottom 14.7% in $1B-$10B