BlastPoint's Banking Scorecard
The Citizens State Bank
Marysville, KS
4 branches across KS
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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 117 in KS.
- Deposits +9.6% year over year ($381.2M on the books).
- Delinquency rate 1.30%.
- Return on assets 2.11%.
- Efficiency ratio 37.70% vs a 64.48% peer average.
- Loan-to-deposit ratio 89.40% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Citizens State Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 26.77% below tier average
- + ROA 0.78% above tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 41.0% in tier
- - Net Interest Margin 0.18% below tier average
- - Delinquency Rate 0.38% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$442.4M
+6.0% YoY
+1.4% QoQ
|
+$55.8M |
$386.6M
+1.2% YoY
|
$513.9M
+7.1% YoY
|
$6.3B
+7.7% YoY
|
66% |
| Total Loans ? |
$340.8M
+6.6% YoY
+4.2% QoQ
|
+$82.5M |
$258.3M
+1.7% YoY
|
$343.7M
+7.8% YoY
|
$3.2B
+9.4% YoY
|
73% |
| Total Deposits ? |
$381.2M
+9.6% YoY
-0.3% QoQ
|
+$54.5M |
$326.7M
+0.7% YoY
|
$426.3M
+7.4% YoY
|
$4.9B
+7.3% YoY
|
67% |
| Return on Assets ? |
2.11%
-10.5% YoY
-2.5% QoQ
|
+0.78% |
1.32%
+10.8% YoY
|
1.56%
+14.6% YoY
|
1.30%
+12.1% YoY
|
Top 11.0% in tier |
| Net Interest Margin ? |
3.81%
+2.9% YoY
+2.0% QoQ
|
-0.18% |
3.99%
+5.0% YoY
|
3.99%
+4.5% YoY
|
3.95%
+4.9% YoY
|
42% |
| Efficiency Ratio ? |
37.70%
+1.6% YoY
-4.4% QoQ
|
-26.77% |
64.48%
-3.2% YoY
|
60.13%
-4.7% YoY
|
70.05%
+2.5% YoY
|
Top 2.4% in tier |
| Delinquency Rate ? |
1.30%
-9.8% QoQ
|
+0.38% |
0.92%
+15.7% YoY
|
0.82%
+9.9% YoY
|
0.98%
+16.3% YoY
|
22% |
| Loan-to-Deposit Ratio ? |
89.40%
-2.7% YoY
+4.6% QoQ
|
+11.44% |
77.95%
+1.0% YoY
|
72.94%
+0.4% YoY
|
79.03%
+2.3% YoY
|
27% |
| Non-Interest-Bearing Deposit Share ? |
13.50%
+8.0% YoY
-4.7% QoQ
|
-8.53% |
22.03%
-0.6% YoY
|
22.01%
-1.4% YoY
|
21.98%
-0.6% YoY
|
19% |
| Nonperforming Asset Ratio ? |
1.00%
-7.3% QoQ
|
+0.33% |
0.67%
+16.4% YoY
|
0.53%
+8.8% YoY
|
0.69%
+15.8% YoY
|
20% |
| Tier 1 Capital Ratio ? |
9.76%
-3.0% YoY
-0.3% QoQ
|
-6.15% |
15.91%
+1.4% YoY
|
17.75%
-1.2% YoY
|
17.09%
+0.8% YoY
|
Bottom 7.8% in tier |
| Non-Interest Income / Assets ? |
0.08%
-59.9% YoY
+114.4% QoQ
|
-0.48% |
0.57%
+7.6% YoY
|
0.59%
-1.1% YoY
|
0.66%
+5.2% YoY
|
Bottom 13.6% in tier |
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 (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
13.5%
+1.0pp YoY -0.7pp QoQ |
-8.6pp | 22.1% | 22.3% | 22.2% | 19% |
| Brokered Deposits | n/a | n/a | 7.9% | 8.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
11.3%
+2.0pp YoY +1.5pp QoQ |
-0.3pp | 11.6% | 12.6% | 12.5% | 60% |
| CRE |
17.4%
-0.6pp YoY -0.3pp QoQ |
-22.1pp | 39.5% | 28.8% | 41.4% | 14% |
| 1-4 Family |
10.9%
+1.0pp YoY -0.1pp QoQ |
-21.7pp | 32.6% | 26.7% | 31.3% | 12% |
| Consumer |
1.0%
-0.2pp YoY 0.0pp QoQ |
-3.1pp | 4.1% | 4.6% | 5.0% | 29% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 23.3% | 19.7% | n/a |
| Leverage Ratio |
9.8%
-0.3pp YoY 0.0pp QoQ |
-2.4pp | 12.2% | 12.6% | 12.6% | 26% |
| Total Capital Ratio | n/a | n/a | 19.9% | 24.4% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
38
0 YoY +1 (+2.7%) QoQ |
-21 | 58 | 70 | 482 | 39% |
| Assets per Employee ($) |
$11.6M
+6.0% YoY -1.2% QoQ |
+$4.1M | $7.5M | $7.1M | $8.8M | 92% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 6 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
0.0pp YoY -0.1pp QoQ |
-0.3pp | 0.3% | 0.4% | 0.4% | 40% |
| Nonaccrual |
1.2%
-0.1pp QoQ |
+0.3pp | 0.9% | 0.8% | 1.0% | 77% |
| Allowance Coverage |
0.99x
-97.4% YoY +7.0% QoQ |
-23.17x | 24.15x | 22.44x | 20.23x | 26% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.1% | 0.2% | 16% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
26.8%
-5.1pp YoY -0.6pp QoQ |
+14.6pp | 12.2% | 14.3% | 11.6% | 97% |
| Cost of Funds (YTD) |
2.0%
-0.3pp YoY 0.0pp QoQ |
+0.3pp | 1.7% | 1.6% | 1.7% | 71% |
| Net Income ($, YTD) |
$4.6M
-5.8% YoY — QoQ |
+$2.0M | $2.6M | $3.7M | $40.4M | 85% |
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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 (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.