BlastPoint's Banking Scorecard
Citizens Bank & Trust
Rock Port, MO
2 branches across MO
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 140 in MO.
- Deposits +3.0% year over year ($93.7M on the books).
- Delinquency rate 0.08%.
- Return on assets 1.36%.
- Efficiency ratio 65.45% vs a 64.48% peer average.
- Loan-to-deposit ratio 55.94% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Citizens Bank & Trust has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.84% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.18% below tier average
- - Efficiency Ratio 0.97% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$107.3M
+2.8% YoY
-3.7% QoQ
|
-$279.3M |
$386.6M
+1.2% YoY
|
$1.6B
+6.4% YoY
|
$6.3B
+7.7% YoY
|
Bottom 1.9% in tier |
| Total Loans ? |
$52.4M
+4.1% YoY
+1.9% QoQ
|
-$205.9M |
$258.3M
+1.7% YoY
|
$1.0B
+10.0% YoY
|
$3.2B
+9.4% YoY
|
Bottom 3.2% in tier |
| Total Deposits ? |
$93.7M
+3.0% YoY
-4.7% QoQ
|
-$233.0M |
$326.7M
+0.7% YoY
|
$1.3B
+6.1% YoY
|
$4.9B
+7.3% YoY
|
Bottom 3.8% in tier |
| Return on Assets ? |
1.36%
+24.4% YoY
-8.0% QoQ
|
+0.03% |
1.32%
+10.8% YoY
|
1.46%
+5.9% YoY
|
1.30%
+12.1% YoY
|
56% |
| Net Interest Margin ? |
3.80%
+12.6% YoY
-0.1% QoQ
|
-0.18% |
3.99%
+5.0% YoY
|
4.55%
+0.7% YoY
|
3.95%
+4.9% YoY
|
42% |
| Efficiency Ratio ? |
65.45%
-5.6% YoY
+4.9% QoQ
|
+0.97% |
64.48%
-3.2% YoY
|
59.57%
-3.2% YoY
|
70.05%
+2.5% YoY
|
41% |
| Delinquency Rate ? |
0.08%
-70.0% YoY
-29.9% QoQ
|
-0.84% |
0.92%
+15.7% YoY
|
0.82%
+12.6% YoY
|
0.98%
+16.3% YoY
|
76% |
| Loan-to-Deposit Ratio ? |
55.94%
+1.1% YoY
+6.9% QoQ
|
-22.01% |
77.95%
+1.0% YoY
|
80.82%
+1.6% YoY
|
79.03%
+2.3% YoY
|
Top 13.3% in tier |
| Non-Interest-Bearing Deposit Share ? |
24.75%
+1.4% YoY
+6.6% QoQ
|
+2.71% |
22.03%
-0.6% YoY
|
20.71%
-0.5% YoY
|
21.98%
-0.6% YoY
|
65% |
| Nonperforming Asset Ratio ? |
0.04%
-69.6% YoY
-25.8% QoQ
|
-0.63% |
0.67%
+16.4% YoY
|
0.67%
+14.9% YoY
|
0.69%
+15.8% YoY
|
81% |
| Tier 1 Capital Ratio ? |
12.50%
+2.2% YoY
+6.7% QoQ
|
-3.41% |
15.91%
+1.4% YoY
|
15.38%
-1.1% YoY
|
17.09%
+0.8% YoY
|
42% |
| Non-Interest Income / Assets ? |
0.16%
-11.3% YoY
+101.9% QoQ
|
-0.40% |
0.57%
+7.6% YoY
|
0.58%
+5.8% YoY
|
0.66%
+5.2% YoY
|
39% |
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 (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
24.7%
+0.3pp YoY +1.5pp QoQ |
+2.6pp | 22.1% | 20.9% | 22.2% | 65% |
| Brokered Deposits | n/a | n/a | 7.9% | 7.4% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
13.6%
-0.1pp YoY -0.8pp QoQ |
+2.0pp | 11.6% | 12.3% | 12.5% | 70% |
| CRE |
20.0%
+1.1pp YoY -0.1pp QoQ |
-19.5pp | 39.5% | 36.8% | 41.4% | 18% |
| 1-4 Family |
17.6%
+1.5pp YoY -0.3pp QoQ |
-15.0pp | 32.6% | 31.9% | 31.3% | 25% |
| Consumer |
3.8%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 4.1% | 4.1% | 5.0% | 68% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 18.5% | 19.7% | n/a |
| Leverage Ratio |
12.5%
+0.3pp YoY +0.8pp QoQ |
+0.3pp | 12.2% | 11.6% | 12.6% | 70% |
| Total Capital Ratio | n/a | n/a | 19.9% | 19.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
18
-1 (-5.3%) YoY 0 QoQ |
-41 | 58 | 162 | 482 | 8% |
| Assets per Employee ($) |
$6.0M
+8.5% YoY -3.7% QoQ |
-$1.6M | $7.5M | $8.0M | $8.8M | 33% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 10 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual |
0.1%
-0.2pp YoY 0.0pp QoQ |
-0.9pp | 0.9% | 0.8% | 1.0% | 15% |
| Allowance Coverage |
13.97x
+216.6% YoY +38.3% QoQ |
-10.18x | 24.15x | 10.47x | 20.23x | 85% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY +0.1pp QoQ |
-0.1pp | 0.1% | 0.3% | 0.2% | 67% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.7%
+1.2pp YoY -1.4pp QoQ |
+0.5pp | 12.2% | 14.3% | 11.6% | 54% |
| Cost of Funds (YTD) |
1.1%
-0.1pp YoY 0.0pp QoQ |
-0.6pp | 1.7% | 1.8% | 1.7% | 15% |
| Net Income ($, YTD) |
$753,000
+27.6% YoY — QoQ |
-$1.8M | $2.6M | $11.3M | $40.4M | 18% |
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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.