BlastPoint's Banking Scorecard
Citizens Bank
New Haven, MO
4 branches across MO
Citizens Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.21% above tier average
- + Efficiency Ratio 4.55% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 47.6% in tier
- - Delinquency Rate 1.51% above tier average
- - Nonperforming Asset Ratio 1.42% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$362.4M
+7.6% YoY
+3.5% QoQ
|
-$23.7M |
$386.1M
+0.5% YoY
|
$1.6B
+6.5% YoY
|
$6.2B
+9.1% YoY
|
56% |
| Total Loans ? |
$311.1M
+4.3% YoY
-0.6% QoQ
|
+$55.4M |
$255.7M
+1.1% YoY
|
$1.0B
+8.5% YoY
|
$3.2B
+10.8% YoY
|
69% |
| Total Deposits ? |
$311.1M
+7.4% YoY
+3.5% QoQ
|
-$16.9M |
$328.0M
+0.1% YoY
|
$1.3B
+6.1% YoY
|
$4.8B
+8.2% YoY
|
56% |
| Return on Assets ? |
1.32%
+17.0% YoY
+15.6% QoQ
|
+0.05% |
1.27%
+12.9% YoY
|
1.43%
+10.8% YoY
|
1.23%
+13.4% YoY
|
57% |
| Net Interest Margin ? |
4.14%
+0.3% YoY
-1.8% QoQ
|
+0.21% |
3.93%
+6.0% YoY
|
4.51%
+2.1% YoY
|
3.89%
+5.7% YoY
|
65% |
| Efficiency Ratio ? |
60.74%
-9.4% YoY
-8.0% QoQ
|
-4.55% |
65.29%
-4.5% YoY
|
59.97%
-5.2% YoY
|
66.95%
-4.1% YoY
|
58% |
| Delinquency Rate ? |
2.40%
+67.7% YoY
+1.1% QoQ
|
+1.51% |
0.89%
+18.8% YoY
|
0.83%
+18.3% YoY
|
0.95%
+18.8% YoY
|
Bottom 9.0% in tier |
| Loan-to-Deposit Ratio ? |
100.01%
-2.9% YoY
-4.0% QoQ
|
+23.38% |
76.64%
+0.8% YoY
|
79.48%
+1.6% YoY
|
76.70%
+0.9% YoY
|
Bottom 8.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
25.40%
+1.2% YoY
+5.7% QoQ
|
+3.38% |
22.02%
-1.0% YoY
|
20.72%
+0.3% YoY
|
22.01%
-1.2% YoY
|
67% |
| Nonperforming Asset Ratio ? |
2.06%
+62.6% YoY
-2.9% QoQ
|
+1.42% |
0.64%
+19.7% YoY
|
0.67%
+20.5% YoY
|
0.67%
+19.3% YoY
|
Bottom 6.4% in tier |
| Tier 1 Capital Ratio ? |
14.83%
+9.6% YoY
+3.9% QoQ
|
-1.00% |
15.83%
+1.5% YoY
|
15.44%
-0.4% YoY
|
17.06%
+0.8% YoY
|
65% |
| Non-Interest Income / Assets ? |
0.07%
+3.3% YoY
-76.4% QoQ
|
-0.21% |
0.28%
+9.3% YoY
|
0.29%
+5.6% YoY
|
0.32%
+4.1% YoY
|
33% |
Get Full Access to Citizens Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
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 (0)
Concerns (1)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.