BlastPoint's Banking Scorecard
The Citizens State Bank
Gridley, KS
10 branches across KS
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 117 in KS.
- Deposits +4.8% year over year ($294.5M on the books).
- Delinquency rate 0.59%.
- Return on assets 1.81%.
- Efficiency ratio 45.43% vs a 64.48% peer average.
- Loan-to-deposit ratio 75.33% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Citizens State Bank shows strong momentum with 4 strengths and 6.1% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.91% above tier average
- + Efficiency Ratio 19.05% below tier average
- + ROA 0.49% above tier average
- + Delinquency Rate 0.33% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$336.2M
+6.1% YoY
-0.2% QoQ
|
-$50.4M |
$386.6M
+1.2% YoY
|
$513.9M
+7.1% YoY
|
$6.3B
+7.7% YoY
|
52% |
| Total Loans ? |
$221.9M
+5.6% YoY
+6.2% QoQ
|
-$36.5M |
$258.3M
+1.7% YoY
|
$343.7M
+7.8% YoY
|
$3.2B
+9.4% YoY
|
53% |
| Total Deposits ? |
$294.5M
+4.8% YoY
-0.4% QoQ
|
-$32.2M |
$326.7M
+0.7% YoY
|
$426.3M
+7.4% YoY
|
$4.9B
+7.3% YoY
|
54% |
| Return on Assets ? |
1.81%
+9.5% YoY
-12.0% QoQ
|
+0.49% |
1.32%
+10.8% YoY
|
1.56%
+14.6% YoY
|
1.30%
+12.1% YoY
|
81% |
| Net Interest Margin ? |
4.90%
+4.1% YoY
+3.0% QoQ
|
+0.91% |
3.99%
+5.0% YoY
|
3.99%
+4.5% YoY
|
3.95%
+4.9% YoY
|
Top 9.8% in tier |
| Efficiency Ratio ? |
45.43%
-10.7% YoY
+5.2% QoQ
|
-19.05% |
64.48%
-3.2% YoY
|
60.13%
-4.7% YoY
|
70.05%
+2.5% YoY
|
Top 9.6% in tier |
| Delinquency Rate ? |
0.59%
-43.6% YoY
+21.4% QoQ
|
-0.33% |
0.92%
+15.7% YoY
|
0.82%
+9.9% YoY
|
0.98%
+16.3% YoY
|
42% |
| Loan-to-Deposit Ratio ? |
75.33%
+0.8% YoY
+6.7% QoQ
|
-2.62% |
77.95%
+1.0% YoY
|
72.94%
+0.4% YoY
|
79.03%
+2.3% YoY
|
59% |
| Non-Interest-Bearing Deposit Share ? |
29.61%
+1.8% YoY
-1.8% QoQ
|
+7.58% |
22.03%
-0.6% YoY
|
22.01%
-1.4% YoY
|
21.98%
-0.6% YoY
|
81% |
| Nonperforming Asset Ratio ? |
0.39%
-43.9% YoY
+29.3% QoQ
|
-0.28% |
0.67%
+16.4% YoY
|
0.53%
+8.8% YoY
|
0.69%
+15.8% YoY
|
45% |
| Tier 1 Capital Ratio ? |
12.08%
+5.6% YoY
+3.0% QoQ
|
-3.83% |
15.91%
+1.4% YoY
|
17.75%
-1.2% YoY
|
17.09%
+0.8% YoY
|
37% |
| Non-Interest Income / Assets ? |
0.23%
-5.2% YoY
+95.9% QoQ
|
-0.33% |
0.57%
+7.6% YoY
|
0.59%
-1.1% YoY
|
0.66%
+5.2% YoY
|
60% |
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 (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
29.6%
+0.5pp YoY -0.5pp QoQ |
+7.5pp | 22.1% | 22.3% | 22.2% | 81% |
| Brokered Deposits | n/a | n/a | 7.9% | 8.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
13.6%
+0.4pp YoY -0.2pp QoQ |
+2.1pp | 11.6% | 12.6% | 12.5% | 71% |
| CRE |
5.9%
-4.1pp YoY +0.3pp QoQ |
-33.7pp | 39.5% | 28.8% | 41.4% | 2% |
| 1-4 Family |
17.5%
-1.1pp YoY -1.0pp QoQ |
-15.1pp | 32.6% | 26.7% | 31.3% | 24% |
| Consumer |
3.2%
-0.1pp YoY -0.2pp QoQ |
-0.9pp | 4.1% | 4.6% | 5.0% | 62% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 23.3% | 19.7% | n/a |
| Leverage Ratio |
12.1%
+0.6pp YoY +0.3pp QoQ |
-0.1pp | 12.2% | 12.6% | 12.6% | 66% |
| Total Capital Ratio | n/a | n/a | 19.9% | 24.4% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
54
-3 (-5.3%) YoY +1 (+1.9%) QoQ |
-5 | 58 | 70 | 482 | 57% |
| Assets per Employee ($) |
$6.2M
+11.9% YoY -2.0% QoQ |
-$1.3M | $7.5M | $7.1M | $8.8M | 38% |
| Branch Count |
10
0 YoY 0 QoQ |
+5 | 4 | 6 | 18 | 90% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.2%
-0.7pp YoY -0.2pp QoQ |
-0.1pp | 0.3% | 0.4% | 0.4% | 64% |
| Nonaccrual |
0.4%
+0.3pp YoY +0.3pp QoQ |
-0.5pp | 0.9% | 0.8% | 1.0% | 47% |
| Allowance Coverage |
2.26x
+113.4% YoY -6.7% QoQ |
-21.89x | 24.15x | 22.44x | 20.23x | 51% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY |
-0.1pp | 0.1% | 0.1% | 0.2% | 26% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
15.9%
-0.3pp YoY -2.4pp QoQ |
+3.7pp | 12.2% | 14.3% | 11.6% | 73% |
| Cost of Funds (YTD) |
1.1%
-0.2pp YoY 0.0pp QoQ |
-0.7pp | 1.7% | 1.6% | 1.7% | 12% |
| Net Income ($, YTD) |
$3.0M
+17.0% YoY — QoQ |
+$491K | $2.6M | $3.7M | $40.4M | 70% |
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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.