BlastPoint's Banking Scorecard

The Citizens State Bank

$100M-$1B Specialty: Agricultural KS FDIC cert 14269

Marysville, KS

4 branches across KS

2664 banks in the $100M-$1B peer group nationally 118 in KS

The Citizens State Bank has 2 strengths but faces 4 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

+ Return on Assets 0.89% above tier average
+ Efficiency Ratio 25.83% below tier average

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 0.8% in tier
- Capital Thin: Bottom 41.6% in tier
- Net Interest Margin 0.20% below tier average
- Delinquency Rate 0.55% above tier average

Get updates when The Citizens State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$436.1M +6.2% YoY +1.4% QoQ	+$50.0M	$386.1M +0.5% YoY	$509.2M +7.2% YoY	$6.2B +9.1% YoY	66%
Total Loans ?	$327.0M +5.6% YoY -0.4% QoQ	+$71.3M	$255.7M +1.1% YoY	$338.5M +8.8% YoY	$3.2B +10.8% YoY	71%
Total Deposits ?	$382.6M +8.2% YoY +4.9% QoQ	+$54.6M	$328.0M +0.1% YoY	$424.4M +7.3% YoY	$4.8B +8.2% YoY	67%
Return on Assets ?	2.16% -17.2% YoY +4.5% QoQ	+0.89%	1.27% +12.9% YoY	1.40% +19.8% YoY	1.23% +13.4% YoY	Top 9.5% in tier
Net Interest Margin ?	3.73% +1.4% YoY +2.5% QoQ	-0.20%	3.93% +6.0% YoY	3.92% +4.5% YoY	3.89% +5.7% YoY	42%
Efficiency Ratio ?	39.45% +14.6% YoY +0.4% QoQ	-25.83%	65.29% -4.5% YoY	62.29% -5.0% YoY	66.95% -4.1% YoY	Top 3.6% in tier
Delinquency Rate ?	1.44% +2.5% QoQ	+0.55%	0.89% +18.8% YoY	0.77% +10.4% YoY	0.95% +18.8% YoY	19%
Loan-to-Deposit Ratio ?	85.46% -2.5% YoY -5.0% QoQ	+8.83%	76.64% +0.8% YoY	71.79% +1.2% YoY	76.70% +0.9% YoY	34%
Non-Interest-Bearing Deposit Share ?	14.17% +17.2% YoY +21.0% QoQ	-7.85%	22.02% -1.0% YoY	22.83% -2.0% YoY	22.01% -1.2% YoY	21%
Nonperforming Asset Ratio ?	1.08% +0.8% QoQ	+0.44%	0.64% +19.7% YoY	0.51% +12.5% YoY	0.67% +19.3% YoY	18%
Tier 1 Capital Ratio ?	9.79% -1.6% YoY -1.2% QoQ	-6.04%	15.83% +1.5% YoY	17.98% -0.9% YoY	17.06% +0.8% YoY	Bottom 7.1% in tier
Non-Interest Income / Assets ?	0.04% -77.0% YoY -86.2% QoQ	-0.24%	0.28% +9.3% YoY	0.28% -1.8% YoY	0.32% +4.1% YoY	Bottom 12.3% in tier

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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 (2)

Cost Spiral

risk

#2 of 126 • Bottom 0.8% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 39.45%

(Tier: 65.29%, National: 66.95%)

better than tier avg

126 of 126 Community banks match · 176 nationally

↑ Growing +82 banks QoQ

Capital Thin

risk

#278 of 666 • Bottom 41.6% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 9.79%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

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 (2 metrics)

Efficiency Ratio

profitability

Value: 39.45%

Peer Median: 65.29%

#97 of 2664 Top 3.6% in $100M-$1B

254

Return on Assets

profitability

Value: 2.16%

Peer Median: 1.27%

#254 of 2664 Top 9.5% in $100M-$1B

Top Weaknesses (5 metrics)

2477

Tier 1 Capital Ratio

capital

Value: 9.79%

Peer Median: 15.83%

#2477 of 2664 Bottom 7.1% in $100M-$1B

2336

Non-Interest Income / Assets

revenue_mix

Value: 0.04%

Peer Median: 0.28%

#2336 of 2664 Bottom 12.3% in $100M-$1B

2183

Nonperforming Asset Ratio

credit_quality

Value: 1.08%

Peer Median: 0.64%

#2183 of 2664 Bottom 18.1% in $100M-$1B

2143

Delinquency Rate

credit_quality

Value: 1.44%

Peer Median: 0.89%

#2143 of 2654 Bottom 19.3% in $100M-$1B

2105

Non-Interest-Bearing Deposit Share

funding

Value: 14.17%

Peer Median: 22.02%

#2105 of 2664 Bottom 21.0% in $100M-$1B