BlastPoint's Banking Scorecard

Citizens Bank

$1B-$10B Specialty: Commercial TN FDIC cert 14851

Designations: ✓ Community bank

Elizabethton, TN

14 branches across TN

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 885 banks in the $1B-$10B peer group nationwide — 1 of 28 in TN.
Deposits +6.6% year over year ($1.2B on the books).
Delinquency rate 1.15%.
Return on assets 1.94%.
Efficiency ratio 55.76% vs a 59.73% peer average.
Loan-to-deposit ratio 94.90% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 28 in TN

View $1B-$10B leaderboard (TN) →

Citizens Bank has 4 strengths but faces 1 concern

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

+ Revenue Diversifier: Top 20.3% in tier
+ Profitability Leader: Top 35.6% in tier
+ Net Interest Margin 0.58% above tier average
+ Efficiency Ratio 3.97% below tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 0.28% 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 (TN)	National Avg	Tier Percentile
Total Assets ?	$1.4B +7.5% YoY +1.6% QoQ	-$1.4B	$2.8B -0.6% YoY	$2.9B +37.8% YoY	$6.3B +7.7% YoY	30%
Total Loans ?	$1.1B +9.9% YoY +2.2% QoQ	-$832.4M	$2.0B -0.3% YoY	$2.1B +37.6% YoY	$3.2B +9.4% YoY	39%
Total Deposits ?	$1.2B +6.6% YoY +2.8% QoQ	-$1.1B	$2.3B -0.5% YoY	$2.4B +35.4% YoY	$4.9B +7.3% YoY	29%
Return on Assets ?	1.94% +22.5% YoY +6.2% QoQ	+0.55%	1.39% +17.0% YoY	1.13% +12.0% YoY	1.30% +12.1% YoY	Top 13.9% in tier
Net Interest Margin ?	4.45% +9.0% YoY +2.3% QoQ	+0.58%	3.87% +6.2% YoY	3.99% +5.6% YoY	3.95% +4.9% YoY	Top 14.0% in tier
Efficiency Ratio ?	55.76% -10.9% YoY -3.5% QoQ	-3.97%	59.73% -12.6% YoY	65.40% -4.8% YoY	70.05% +2.5% YoY	60%
Delinquency Rate ?	1.15% +38.8% YoY +8.2% QoQ	+0.28%	0.87% +11.7% YoY	0.70% +6.5% YoY	0.98% +16.3% YoY	24%
Loan-to-Deposit Ratio ?	94.90% +3.1% YoY -0.6% QoQ	+9.86%	85.04% -0.1% YoY	81.19% +2.5% YoY	79.03% +2.3% YoY	27%
Non-Interest-Bearing Deposit Share ?	15.01% -4.7% YoY -2.2% QoQ	-6.26%	21.27% -1.5% YoY	18.80% -1.8% YoY	21.98% -0.6% YoY	27%
Nonperforming Asset Ratio ?	0.92% +41.9% YoY +10.2% QoQ	+0.25%	0.67% +11.7% YoY	0.58% +9.8% YoY	0.69% +15.8% YoY	24%
Tier 1 Capital Ratio ?	14.20% -4.7% YoY -1.2% QoQ	-0.65%	14.84% -0.4% YoY	14.06% -1.8% YoY	17.09% +0.8% YoY	66%
Non-Interest Income / Assets ?	0.79% +6.3% YoY +110.5% QoQ	+0.26%	0.53% +2.5% YoY	0.34% -6.5% YoY	0.66% +5.2% YoY	Top 8.8% in tier

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 (TN)	National Avg	Tier Percentile
Noninterest-Bearing	15.0% -0.7pp YoY -0.3pp QoQ	-6.4pp	21.4%	18.8%	22.2%	27%
Brokered Deposits	4.9% +1.8pp YoY +0.6pp QoQ	-4.6pp	9.5%	9.4%	8.5%	49%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
C&I	6.5% -0.7pp YoY -0.5pp QoQ	-7.5pp	14.0%	10.9%	12.5%	26%
CRE	74.7% +2.6pp YoY +0.8pp QoQ	+24.7pp	50.0%	42.4%	41.4%	93%
1-4 Family	17.4% -1.6pp YoY -0.2pp QoQ	-9.0pp	26.4%	39.8%	31.3%	37%
Consumer	1.6% -0.3pp YoY -0.1pp QoQ	-3.1pp	4.7%	4.5%	5.0%	57%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
CET1 Ratio	14.2% -0.7pp YoY -0.2pp QoQ	-1.4pp	15.6%	14.8%	19.7%	61%
Leverage Ratio	12.6% -0.5pp YoY -0.1pp QoQ	+1.3pp	11.3%	11.4%	12.6%	82%
Total Capital Ratio	15.0% -0.8pp YoY -0.2pp QoQ	-1.7pp	16.7%	15.9%	20.8%	57%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Full-Time Employees	237 +3 (+1.3%) YoY +1 (+0.4%) QoQ	-77	313	270	482	50%
Assets per Employee ($)	$6.0M +6.1% YoY +1.1% QoQ	-$4.5M	$10.5M	$7.1M	$8.8M	12%
Branch Count	14 0 YoY 0 QoQ	-6	20	17	18	46%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Past Due 90+ Days	0.2% 0.0pp YoY 0.0pp QoQ	0.0pp	0.2%	0.2%	0.4%	84%
Nonaccrual	1.0% +0.3pp YoY +0.1pp QoQ	+0.2pp	0.8%	0.7%	1.0%	74%
Allowance Coverage	0.79x -37.1% YoY -9.3% QoQ	-17.92x	18.71x	28.97x	20.23x	16%
Net Charge-off Rate (YTD)	0.5% +0.3pp YoY +0.1pp QoQ	+0.2pp	0.3%	0.1%	0.2%	91%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
ROE	15.3% +3.2pp YoY +0.9pp QoQ	+2.7pp	12.6%	10.9%	11.6%	75%
Cost of Funds (YTD)	2.2% -0.2pp YoY 0.0pp QoQ	+0.3pp	1.9%	2.0%	1.7%	75%
Net Income ($, YTD)	$13.5M +31.1% YoY — QoQ	-$5.7M	$19.2M	$16.7M	$40.4M	55%

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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 (2)

Revenue Diversifier

growth

#46 of 222 • Top 20.3% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.79%

(Tier: 0.53%, National: 0.66%)

better than tier avg

Return on Assets: 1.94%

(Tier: 1.39%, National: 1.30%)

better than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | QoQ rank improving

Profitability Leader

growth

#80 of 222 • Top 35.6% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 1.94%

(Tier: 1.39%, National: 1.30%)

better than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

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 885 peers in $1B-$10B

Top Strengths (3 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 0.79%

Peer Median: 0.53%

#79 of 885 Top 8.8% in $1B-$10B

124

Return on Assets

profitability

Value: 1.94%

Peer Median: 1.39%

#124 of 885 Top 13.9% in $1B-$10B

125

Net Interest Margin

profitability

Value: 4.45%

Peer Median: 3.87%

#125 of 885 Top 14.0% in $1B-$10B

Top Weaknesses (2 metrics)

676

Nonperforming Asset Ratio

credit_quality

Value: 0.92%

Peer Median: 0.67%

#676 of 885 Bottom 23.7% in $1B-$10B

673

Delinquency Rate

credit_quality

Value: 1.15%

Peer Median: 0.87%

#673 of 882 Bottom 23.8% in $1B-$10B