BlastPoint's Banking Scorecard

The Citizens State Bank

$100M-$1B Specialty: Agricultural KS FDIC cert 15111

Gridley, KS

10 branches across KS

2664 banks in the $100M-$1B peer group nationally 118 in KS

The Citizens State Bank shows strong momentum with 4 strengths and 8.3% YoY asset growth

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

+ Profitability Leader: Top 44.1% in tier
+ Efficiency Ratio 22.08% below tier average
+ Net Interest Margin 0.83% above tier average
+ Delinquency Rate 0.40% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$336.8M +8.3% YoY +0.6% QoQ	-$49.3M	$386.1M +0.5% YoY	$509.2M +7.2% YoY	$6.2B +9.1% YoY	52%
Total Loans ?	$208.8M +4.5% YoY +8.0% QoQ	-$46.9M	$255.7M +1.1% YoY	$338.5M +8.8% YoY	$3.2B +10.8% YoY	51%
Total Deposits ?	$295.8M +7.1% YoY +0.0% QoQ	-$32.2M	$328.0M +0.1% YoY	$424.4M +7.3% YoY	$4.8B +8.2% YoY	54%
Return on Assets ?	2.06% +15.1% YoY +23.4% QoQ	+0.79%	1.27% +12.9% YoY	1.40% +19.8% YoY	1.23% +13.4% YoY	Top 11.3% in tier
Net Interest Margin ?	4.76% +2.9% YoY +0.5% QoQ	+0.83%	3.93% +6.0% YoY	3.92% +4.5% YoY	3.89% +5.7% YoY	Top 11.8% in tier
Efficiency Ratio ?	43.21% -11.7% YoY -16.9% QoQ	-22.08%	65.29% -4.5% YoY	62.29% -5.0% YoY	66.95% -4.1% YoY	Top 6.9% in tier
Delinquency Rate ?	0.49% -60.6% YoY +100.7% QoQ	-0.40%	0.89% +18.8% YoY	0.77% +10.4% YoY	0.95% +18.8% YoY	46%
Loan-to-Deposit Ratio ?	70.61% -2.4% YoY +8.0% QoQ	-6.02%	76.64% +0.8% YoY	71.79% +1.2% YoY	76.70% +0.9% YoY	65%
Non-Interest-Bearing Deposit Share ?	30.16% +2.0% YoY -1.4% QoQ	+8.14%	22.02% -1.0% YoY	22.83% -2.0% YoY	22.01% -1.2% YoY	82%
Nonperforming Asset Ratio ?	0.30% -62.0% YoY +115.7% QoQ	-0.34%	0.64% +19.7% YoY	0.51% +12.5% YoY	0.67% +19.3% YoY	50%
Tier 1 Capital Ratio ?	11.73% +6.9% YoY -0.6% QoQ	-4.10%	15.83% +1.5% YoY	17.98% -0.9% YoY	17.06% +0.8% YoY	32%
Non-Interest Income / Assets ?	0.12% -9.9% YoY -76.2% QoQ	-0.16%	0.28% +9.3% YoY	0.28% -1.8% YoY	0.32% +4.1% YoY	62%

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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 (1)

Profitability Leader

growth

#295 of 666 • Top 44.1% in tier

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

Why this signature

Return on Assets: 2.06%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | 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 2664 peers in $100M-$1B

Top Strengths (4 metrics)

184

Efficiency Ratio

profitability

Value: 43.21%

Peer Median: 65.29%

#184 of 2664 Top 6.9% in $100M-$1B

302

Return on Assets

profitability

Value: 2.06%

Peer Median: 1.27%

#302 of 2664 Top 11.3% in $100M-$1B

315

Net Interest Margin

profitability

Value: 4.76%

Peer Median: 3.93%

#315 of 2664 Top 11.8% in $100M-$1B

470

Non-Interest-Bearing Deposit Share

funding

Value: 30.16%

Peer Median: 22.02%

#470 of 2664 Top 17.6% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available