BlastPoint's Banking Scorecard
Citizens Bank
Designations: ✓ Community bank
Mukwonago, WI
11 branches across WI
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 885 banks in the $1B-$10B peer group nationwide — 1 of 30 in WI.
- Deposits +5.8% year over year ($996.0M on the books).
- Delinquency rate 0.31%.
- Return on assets 1.39%.
- Efficiency ratio 54.85% vs a 59.73% peer average.
- Loan-to-deposit ratio 75.26% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Citizens Bank demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 4.88% below tier average
- + Delinquency Rate 0.56% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+4.8% YoY
-0.6% QoQ
|
-$1.6B |
$2.8B
-0.6% YoY
|
$1.2B
+13.5% YoY
|
$6.3B
+7.7% YoY
|
Bottom 14.5% in tier |
| Total Loans ? |
$749.6M
+4.8% YoY
-2.7% QoQ
|
-$1.2B |
$2.0B
-0.3% YoY
|
$860.4M
+13.3% YoY
|
$3.2B
+9.4% YoY
|
Bottom 10.6% in tier |
| Total Deposits ? |
$996.0M
+5.8% YoY
+0.3% QoQ
|
-$1.3B |
$2.3B
-0.5% YoY
|
$935.5M
+13.1% YoY
|
$4.9B
+7.3% YoY
|
16% |
| Return on Assets ? |
1.39%
+15.0% YoY
+10.6% QoQ
|
+0.00% |
1.39%
+17.0% YoY
|
1.56%
+18.6% YoY
|
1.30%
+12.1% YoY
|
62% |
| Net Interest Margin ? |
3.84%
+8.7% YoY
+2.7% QoQ
|
-0.03% |
3.87%
+6.2% YoY
|
3.83%
+8.5% YoY
|
3.95%
+4.9% YoY
|
58% |
| Efficiency Ratio ? |
54.85%
-2.2% YoY
-3.5% QoQ
|
-4.88% |
59.73%
-12.6% YoY
|
62.90%
-5.1% YoY
|
70.05%
+2.5% YoY
|
63% |
| Delinquency Rate ? |
0.31%
-18.3% YoY
-19.0% QoQ
|
-0.56% |
0.87%
+11.7% YoY
|
0.85%
+12.5% YoY
|
0.98%
+16.3% YoY
|
67% |
| Loan-to-Deposit Ratio ? |
75.26%
-0.9% YoY
-3.0% QoQ
|
-9.78% |
85.04%
-0.1% YoY
|
87.22%
+0.9% YoY
|
79.03%
+2.3% YoY
|
76% |
| Non-Interest-Bearing Deposit Share ? |
25.64%
+4.9% YoY
+6.2% QoQ
|
+4.37% |
21.27%
-1.5% YoY
|
18.65%
-1.9% YoY
|
21.98%
-0.6% YoY
|
73% |
| Nonperforming Asset Ratio ? |
0.20%
-18.3% YoY
-20.7% QoQ
|
-0.48% |
0.67%
+11.7% YoY
|
0.63%
+16.4% YoY
|
0.69%
+15.8% YoY
|
73% |
| Tier 1 Capital Ratio ? |
13.64%
-0.5% YoY
+1.4% QoQ
|
-1.20% |
14.84%
-0.4% YoY
|
15.02%
+1.5% YoY
|
17.09%
+0.8% YoY
|
59% |
| Non-Interest Income / Assets ? |
0.27%
+8.0% YoY
+114.5% QoQ
|
-0.25% |
0.53%
+2.5% YoY
|
2.21%
+12.7% YoY
|
0.66%
+5.2% YoY
|
46% |
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 (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
25.6%
+1.2pp YoY +1.5pp QoQ |
+4.3pp | 21.4% | 18.9% | 22.2% | 73% |
| Brokered Deposits | n/a | n/a | 9.5% | 9.2% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
10.7%
+1.9pp YoY +0.8pp QoQ |
-3.3pp | 14.0% | 10.5% | 12.5% | 47% |
| CRE |
73.5%
-3.3pp YoY -1.4pp QoQ |
+23.5pp | 50.0% | 46.4% | 41.4% | 92% |
| 1-4 Family |
15.2%
+1.6pp YoY +0.7pp QoQ |
-11.3pp | 26.4% | 32.3% | 31.3% | 31% |
| Consumer |
0.1%
0.0pp YoY 0.0pp QoQ |
-4.6pp | 4.7% | 2.6% | 5.0% | 10% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 15.6% | 15.5% | 19.7% | n/a |
| Leverage Ratio |
13.6%
-0.1pp YoY +0.2pp QoQ |
+2.3pp | 11.3% | 12.6% | 12.6% | 88% |
| Total Capital Ratio | n/a | n/a | 16.7% | 16.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
161
+2 (+1.3%) YoY +2 (+1.3%) QoQ |
-153 | 313 | 134 | 482 | 27% |
| Assets per Employee ($) |
$7.2M
+3.5% YoY -1.8% QoQ |
-$3.2M | $10.5M | $8.2M | $8.8M | 27% |
| Branch Count |
11
0 YoY 0 QoQ |
-9 | 20 | 9 | 18 | 35% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.3%
-0.1pp YoY -0.1pp QoQ |
-0.5pp | 0.8% | 0.9% | 1.0% | 32% |
| Allowance Coverage |
3.94x
+31.7% YoY +26.2% QoQ |
-14.77x | 18.71x | 56.89x | 20.23x | 72% |
| Net Charge-off Rate (YTD) |
0.1%
-0.5pp YoY +0.1pp QoQ |
-0.1pp | 0.3% | 0.0% | 0.2% | 73% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.8%
+1.1pp YoY +1.0pp QoQ |
-1.8pp | 12.6% | 11.8% | 11.6% | 40% |
| Cost of Funds (YTD) |
1.5%
-0.2pp YoY 0.0pp QoQ |
-0.4pp | 1.9% | 1.8% | 1.7% | 22% |
| Net Income ($, YTD) |
$8.2M
+22.4% YoY — QoQ |
-$11.1M | $19.2M | $7.9M | $40.4M | 30% |
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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.