BlastPoint's Banking Scorecard
Citizens Bank
Designations: ✓ Community bank
Elizabethton, TN
14 branches across TN
Citizens Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 25.3% in tier
- + ROA 0.46% above tier average
- + Net Interest Margin 0.54% above tier average
- + Efficiency Ratio 3.30% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 0.17% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.4B
+7.2% YoY
+4.0% QoQ
|
-$1.4B |
$2.8B
-0.1% YoY
|
$2.8B
+35.7% YoY
|
$6.2B
+9.1% YoY
|
29% |
| Total Loans ? |
$1.1B
+10.4% YoY
+5.3% QoQ
|
-$858.4M |
$2.0B
+0.6% YoY
|
$2.0B
+36.6% YoY
|
$3.2B
+10.8% YoY
|
38% |
| Total Deposits ? |
$1.2B
+4.6% YoY
+2.1% QoQ
|
-$1.2B |
$2.3B
-0.3% YoY
|
$2.4B
+35.2% YoY
|
$4.8B
+8.2% YoY
|
27% |
| Return on Assets ? |
1.83%
+14.4% YoY
-0.3% QoQ
|
+0.46% |
1.37%
+19.6% YoY
|
1.12%
+20.1% YoY
|
1.23%
+13.4% YoY
|
85% |
| Net Interest Margin ? |
4.35%
+9.5% YoY
+2.4% QoQ
|
+0.54% |
3.82%
+6.9% YoY
|
3.93%
+7.0% YoY
|
3.89%
+5.7% YoY
|
84% |
| Efficiency Ratio ? |
57.76%
-9.4% YoY
-3.2% QoQ
|
-3.30% |
61.06%
-4.6% YoY
|
66.13%
-5.5% YoY
|
66.95%
-4.1% YoY
|
56% |
| Delinquency Rate ? |
1.06%
+60.2% YoY
+17.5% QoQ
|
+0.17% |
0.89%
+14.1% YoY
|
0.68%
+13.4% YoY
|
0.95%
+18.8% YoY
|
25% |
| Loan-to-Deposit Ratio ? |
95.43%
+5.6% YoY
+3.2% QoQ
|
+11.22% |
84.20%
+0.3% YoY
|
79.84%
+2.1% YoY
|
76.70%
+0.9% YoY
|
23% |
| Non-Interest-Bearing Deposit Share ? |
15.34%
+3.8% YoY
+7.5% QoQ
|
-5.95% |
21.29%
-2.5% YoY
|
18.48%
-3.8% YoY
|
22.01%
-1.2% YoY
|
29% |
| Nonperforming Asset Ratio ? |
0.84%
+65.0% YoY
+19.0% QoQ
|
+0.16% |
0.67%
+15.6% YoY
|
0.56%
+16.1% YoY
|
0.67%
+19.3% YoY
|
25% |
| Tier 1 Capital Ratio ? |
14.37%
-6.9% YoY
-1.0% QoQ
|
-0.79% |
15.16%
+2.0% YoY
|
14.23%
-1.0% YoY
|
17.06%
+0.8% YoY
|
67% |
| Non-Interest Income / Assets ? |
0.38%
-0.5% YoY
-75.0% QoQ
|
+0.12% |
0.26%
+1.6% YoY
|
0.17%
-1.0% YoY
|
0.32%
+4.1% YoY
|
Top 9.3% in tier |
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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 (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.