BlastPoint's Banking Scorecard

Citizens State Bank of La Crosse

$100M-$1B Specialty: Commercial WI FDIC cert 1513

La Crosse, WI

4 branches across WI

2664 banks in the $100M-$1B peer group nationally 113 in WI

Citizens State Bank of La Crosse has 4 strengths but faces 4 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

+ Profitability Leader: Top 9.9% in tier
+ Revenue Diversifier: Top 27.3% in tier
+ Efficiency Ratio 25.41% below tier average
+ Net Interest Margin 0.18% above tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 17.2% in tier
- Liquidity Strain: Bottom 30.6% in tier
- Capital Constraint: Bottom 59.3% in tier
- Delinquency Rate 0.15% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Total Assets ?	$653.0M -4.6% YoY -0.8% QoQ	+$266.9M	$386.1M +0.5% YoY	$1.1B +10.1% YoY	$6.2B +9.1% YoY	85%
Total Loans ?	$539.0M -0.2% YoY +1.3% QoQ	+$283.2M	$255.7M +1.1% YoY	$816.7M +9.9% YoY	$3.2B +10.8% YoY	Top 8.6% in tier
Total Deposits ?	$531.1M -4.5% YoY +2.6% QoQ	+$203.1M	$328.0M +0.1% YoY	$905.4M +9.0% YoY	$4.8B +8.2% YoY	82%
Return on Assets ?	2.85% +27.4% YoY +10.0% QoQ	+1.58%	1.27% +12.9% YoY	1.50% +15.4% YoY	1.23% +13.4% YoY	Top 2.4% in tier
Net Interest Margin ?	4.11% +14.4% YoY +6.0% QoQ	+0.18%	3.93% +6.0% YoY	3.77% +9.2% YoY	3.89% +5.7% YoY	64%
Efficiency Ratio ?	39.87% -2.5% YoY -3.2% QoQ	-25.41%	65.29% -4.5% YoY	64.74% -4.5% YoY	66.95% -4.1% YoY	Top 4.0% in tier
Delinquency Rate ?	1.04% -12.4% YoY -39.3% QoQ	+0.15%	0.89% +18.8% YoY	0.87% +31.3% YoY	0.95% +18.8% YoY	27%
Loan-to-Deposit Ratio ?	101.48% +4.5% YoY -1.3% QoQ	+24.84%	76.64% +0.8% YoY	86.53% +1.6% YoY	76.70% +0.9% YoY	Bottom 7.2% in tier
Non-Interest-Bearing Deposit Share ?	17.35% -5.3% YoY -10.0% QoQ	-4.67%	22.02% -1.0% YoY	18.27% -0.8% YoY	22.01% -1.2% YoY	33%
Nonperforming Asset Ratio ?	0.96% -7.1% YoY -35.4% QoQ	+0.32%	0.64% +19.7% YoY	0.63% +35.0% YoY	0.67% +19.3% YoY	21%
Tier 1 Capital Ratio ?	12.63% +18.4% YoY +3.7% QoQ	-3.20%	15.83% +1.5% YoY	14.74% +0.5% YoY	17.06% +0.8% YoY	43%
Non-Interest Income / Assets ?	0.18% +33.5% YoY -79.7% QoQ	-0.10%	0.28% +9.3% YoY	1.15% +12.5% YoY	0.32% +4.1% YoY	83%

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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)

Profitability Leader

growth

#67 of 666 • Top 9.9% in tier

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

Why this signature

Return on Assets: 2.85%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Revenue Diversifier

growth

#183 of 666 • Top 27.3% 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: 0.18%

(Tier: 0.28%, National: 0.32%)

but worse than tier avg

Return on Assets: 2.85%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Concerns (3)

Deposit Outflow

decline

#88 of 506 • Bottom 17.2% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ | QoQ rank declining

Liquidity Strain

risk

#198 of 643 • Bottom 30.6% 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: 101.48%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank declining

Capital Constraint

risk

#65 of 108 • Bottom 59.3% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature

Loan-to-Deposit Ratio: 101.48%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

Tier 1 Capital Ratio: 12.63%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

108 of 108 Community banks match · 148 nationally

↑ Growing +19 banks QoQ | QoQ rank declining

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 (6 metrics)

Return on Assets

profitability

Value: 2.85%

Peer Median: 1.27%

#66 of 2664 Top 2.4% in $100M-$1B

108

Efficiency Ratio

profitability

Value: 39.87%

Peer Median: 65.29%

#108 of 2664 Top 4.0% in $100M-$1B

230

Total Loans

size

Value: $538.96M

Peer Median: $255.72M

#230 of 2664 Top 8.6% in $100M-$1B

407

Total Assets

size

Value: $652.99M

Peer Median: $386.08M

#407 of 2664 Top 15.2% in $100M-$1B

465

Non-Interest Income / Assets

revenue_mix

Value: 0.18%

Peer Median: 0.28%

#465 of 2664 Top 17.4% in $100M-$1B

473

Total Deposits

size

Value: $531.11M

Peer Median: $327.97M

#473 of 2664 Top 17.7% in $100M-$1B

Top Weaknesses (2 metrics)

2472

Loan-to-Deposit Ratio

liquidity

Value: 101.48%

Peer Median: 76.64%

#2472 of 2664 Bottom 7.2% in $100M-$1B

2114

Nonperforming Asset Ratio

credit_quality

Value: 0.96%

Peer Median: 0.64%

#2114 of 2664 Bottom 20.7% in $100M-$1B