BlastPoint's Banking Scorecard

Citizens Bank

$100M-$1B Specialty: Commercial MO FDIC cert 14488

New Haven, MO

4 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 +0.5% year over year ($305.4M on the books).
Delinquency rate 3.00%.
Return on assets 1.33%.
Efficiency ratio 60.56% vs a 64.48% peer average.
Loan-to-deposit ratio 101.15% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 140 in MO

View $100M-$1B leaderboard (MO) →

Citizens Bank has 2 strengths but faces 3 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

+ Net Interest Margin 0.20% above tier average
+ Efficiency Ratio 3.92% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 18.4% in tier
- Delinquency Rate 2.08% above tier average
- Nonperforming Asset Ratio 1.93% above tier average

Get updates when Citizens Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$357.4M +1.5% YoY -1.4% QoQ	-$29.1M	$386.6M +1.2% YoY	$1.6B +6.4% YoY	$6.3B +7.7% YoY	55%
Total Loans ?	$308.9M -2.7% YoY -0.7% QoQ	+$50.5M	$258.3M +1.7% YoY	$1.0B +10.0% YoY	$3.2B +9.4% YoY	69%
Total Deposits ?	$305.4M +0.5% YoY -1.8% QoQ	-$21.4M	$326.7M +0.7% YoY	$1.3B +6.1% YoY	$4.9B +7.3% YoY	56%
Return on Assets ?	1.33% +18.9% YoY +1.4% QoQ	+0.01%	1.32% +10.8% YoY	1.46% +5.9% YoY	1.30% +12.1% YoY	55%
Net Interest Margin ?	4.19% +0.9% YoY +1.2% QoQ	+0.20%	3.99% +5.0% YoY	4.55% +0.7% YoY	3.95% +4.9% YoY	65%
Efficiency Ratio ?	60.56% -6.7% YoY -0.3% QoQ	-3.92%	64.48% -3.2% YoY	59.57% -3.2% YoY	70.05% +2.5% YoY	56%
Delinquency Rate ?	3.00% +31.5% YoY +25.2% QoQ	+2.08%	0.92% +15.7% YoY	0.82% +12.6% YoY	0.98% +16.3% YoY	Bottom 6.3% in tier
Loan-to-Deposit Ratio ?	101.15% -3.2% YoY +1.1% QoQ	+23.20%	77.95% +1.0% YoY	80.82% +1.6% YoY	79.03% +2.3% YoY	Bottom 8.7% in tier
Non-Interest-Bearing Deposit Share ?	24.33% +3.6% YoY -4.2% QoQ	+2.29%	22.03% -0.6% YoY	20.71% -0.5% YoY	21.98% -0.6% YoY	64%
Nonperforming Asset Ratio ?	2.59% +26.0% YoY +26.0% QoQ	+1.93%	0.67% +16.4% YoY	0.67% +14.9% YoY	0.69% +15.8% YoY	Bottom 4.4% in tier
Tier 1 Capital Ratio ?	15.12% +13.9% YoY +1.9% QoQ	-0.79%	15.91% +1.4% YoY	15.38% -1.1% YoY	17.09% +0.8% YoY	67%
Non-Interest Income / Assets ?	0.15% +11.7% YoY +108.2% QoQ	-0.42%	0.57% +7.6% YoY	0.58% +5.8% YoY	0.66% +5.2% YoY	34%

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	24.3% +0.8pp YoY -1.1pp QoQ	+2.2pp	22.1%	20.9%	22.2%	64%
Brokered Deposits	1.6% -3.9pp YoY 0.0pp QoQ	-6.2pp	7.9%	7.4%	8.5%	26%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
C&I	6.3% -1.8pp YoY +0.4pp QoQ	-5.2pp	11.6%	12.3%	12.5%	28%
CRE	59.3% -3.3pp YoY -1.8pp QoQ	+19.7pp	39.5%	36.8%	41.4%	83%
1-4 Family	33.4% +5.1pp YoY +1.3pp QoQ	+0.8pp	32.6%	31.9%	31.3%	58%
Consumer	0.5% -0.1pp YoY +0.1pp QoQ	-3.6pp	4.1%	4.1%	5.0%	17%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
CET1 Ratio	15.1% +1.8pp YoY +0.3pp QoQ	-3.7pp	18.8%	18.5%	19.7%	50%
Leverage Ratio	13.1% +0.1pp YoY 0.0pp QoQ	+0.9pp	12.2%	11.6%	12.6%	76%
Total Capital Ratio	16.4% +1.8pp YoY +0.3pp QoQ	-3.6pp	19.9%	19.6%	20.8%	51%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Full-Time Employees	62 0 YoY +1 (+1.6%) QoQ	+3	58	162	482	65%
Assets per Employee ($)	$5.8M +1.5% YoY -3.0% QoQ	-$1.8M	$7.5M	$8.0M	$8.8M	28%
Branch Count	4 0 YoY 0 QoQ	-1	4	10	18	42%

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	3.0% +0.7pp YoY +0.6pp QoQ	+2.1pp	0.9%	0.8%	1.0%	94%
Allowance Coverage	0.55x -21.7% YoY -19.6% QoQ	-23.60x	24.15x	10.47x	20.23x	12%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.3%	0.2%	36%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
ROE	10.2% +1.4pp YoY +0.1pp QoQ	-2.0pp	12.2%	14.3%	11.6%	38%
Cost of Funds (YTD)	1.9% -0.1pp YoY -0.1pp QoQ	+0.2pp	1.7%	1.8%	1.7%	64%
Net Income ($, YTD)	$2.4M +25.6% YoY — QoQ	-$175K	$2.6M	$11.3M	$40.4M	60%

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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 (1)

Liquidity Strain

risk

#128 of 691 • Bottom 18.4% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 101.15%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank improving

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 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (3 metrics)

2527

Nonperforming Asset Ratio

credit_quality

Value: 2.59%

Peer Median: 0.67%

#2527 of 2643 Bottom 4.4% in $100M-$1B

2468

Delinquency Rate

credit_quality

Value: 3.00%

Peer Median: 0.92%

#2468 of 2633 Bottom 6.3% in $100M-$1B

2414

Loan-to-Deposit Ratio

liquidity

Value: 101.15%

Peer Median: 77.95%

#2414 of 2643 Bottom 8.7% in $100M-$1B