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

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 110 in WI.
Deposits -3.8% year over year ($513.4M on the books).
Delinquency rate 1.07%.
Return on assets 2.94%.
Efficiency ratio 39.35% vs a 64.48% peer average.
Loan-to-deposit ratio 104.97% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 110 in WI

View $100M-$1B leaderboard (WI) →

Citizens State Bank of La Crosse has 4 strengths but faces 3 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 10.1% in tier
+ Revenue Diversifier: Top 23.6% in tier
+ Efficiency Ratio 25.13% below tier average
+ Net Interest Margin 0.14% above tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 47.3% in tier
- Capital Constraint: Bottom 76.6% in tier
- Delinquency Rate 0.15% above tier average

Get updates when Citizens State Bank of La Crosse releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Total Assets ?	$648.5M -2.1% YoY -0.7% QoQ	+$261.9M	$386.6M +1.2% YoY	$1.2B +13.5% YoY	$6.3B +7.7% YoY	84%
Total Loans ?	$538.9M +0.9% YoY -0.0% QoQ	+$280.5M	$258.3M +1.7% YoY	$860.4M +13.3% YoY	$3.2B +9.4% YoY	Top 8.7% in tier
Total Deposits ?	$513.4M -3.8% YoY -3.3% QoQ	+$186.6M	$326.7M +0.7% YoY	$935.5M +13.1% YoY	$4.9B +7.3% YoY	81%
Return on Assets ?	2.94% +20.7% YoY +3.2% QoQ	+1.62%	1.32% +10.8% YoY	1.56% +18.6% YoY	1.30% +12.1% YoY	Top 2.2% in tier
Net Interest Margin ?	4.13% +12.4% YoY +0.3% QoQ	+0.14%	3.99% +5.0% YoY	3.83% +8.5% YoY	3.95% +4.9% YoY	60%
Efficiency Ratio ?	39.35% -2.5% YoY -1.3% QoQ	-25.13%	64.48% -3.2% YoY	62.90% -5.1% YoY	70.05% +2.5% YoY	Top 3.4% in tier
Delinquency Rate ?	1.07% -0.6% YoY +3.5% QoQ	+0.15%	0.92% +15.7% YoY	0.85% +12.5% YoY	0.98% +16.3% YoY	26%
Loan-to-Deposit Ratio ?	104.97% +4.8% YoY +3.4% QoQ	+27.02%	77.95% +1.0% YoY	87.22% +0.9% YoY	79.03% +2.3% YoY	Bottom 5.8% in tier
Non-Interest-Bearing Deposit Share ?	19.54% +8.4% YoY +12.7% QoQ	-2.49%	22.03% -0.6% YoY	18.65% -1.9% YoY	21.98% -0.6% YoY	43%
Nonperforming Asset Ratio ?	0.99% +2.4% YoY +3.8% QoQ	+0.32%	0.67% +16.4% YoY	0.63% +16.4% YoY	0.69% +15.8% YoY	21%
Tier 1 Capital Ratio ?	13.36% +19.6% YoY +5.8% QoQ	-2.55%	15.91% +1.4% YoY	15.02% +1.5% YoY	17.09% +0.8% YoY	51%
Non-Interest Income / Assets ?	0.42% +16.2% YoY +127.8% QoQ	-0.15%	0.57% +7.6% YoY	2.21% +12.7% YoY	0.66% +5.2% YoY	Top 13.4% 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 (WI)	National Avg	Tier Percentile
Noninterest-Bearing	19.5% +1.5pp YoY +2.2pp QoQ	-2.6pp	22.1%	18.9%	22.2%	43%
Brokered Deposits	20.5% +1.1pp YoY -0.9pp QoQ	+12.7pp	7.9%	9.2%	8.5%	91%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
C&I	11.6% +2.4pp YoY +1.2pp QoQ	0.0pp	11.6%	10.5%	12.5%	61%
CRE	69.9% +0.8pp YoY -1.4pp QoQ	+30.4pp	39.5%	46.4%	41.4%	93%
1-4 Family	17.6% -0.8pp YoY +0.2pp QoQ	-15.0pp	32.6%	32.3%	31.3%	25%
Consumer	0.5% 0.0pp YoY 0.0pp QoQ	-3.6pp	4.1%	2.6%	5.0%	17%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	15.5%	19.7%	n/a
Leverage Ratio	13.4% +2.2pp YoY +0.7pp QoQ	+1.2pp	12.2%	12.6%	12.6%	77%
Total Capital Ratio	n/a	n/a	19.9%	16.6%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Full-Time Employees	85 +3 (+3.7%) YoY 0 QoQ	+26	58	134	482	80%
Assets per Employee ($)	$7.6M -5.6% YoY -0.7% QoQ	+$111K	$7.5M	$8.2M	$8.8M	63%
Branch Count	4 0 YoY 0 QoQ	-1	4	9	18	42%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.4%	0.4%	n/a
Nonaccrual	1.1% 0.0pp YoY 0.0pp QoQ	+0.1pp	0.9%	0.9%	1.0%	73%
Allowance Coverage	1.28x +6.4% YoY -3.4% QoQ	-22.87x	24.15x	56.89x	20.23x	35%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.0%	0.2%	29%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
ROE	23.3% +0.3pp YoY +0.3pp QoQ	+11.1pp	12.2%	11.8%	11.6%	94%
Cost of Funds (YTD)	2.1% -0.2pp YoY 0.0pp QoQ	+0.4pp	1.7%	1.8%	1.7%	78%
Net Income ($, YTD)	$9.6M +16.4% YoY — QoQ	+$7.0M	$2.6M	$7.9M	$40.4M	99%

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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

#68 of 661 • Top 10.1% in tier

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

Why this signature

Return on Assets: 2.94%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable

Revenue Diversifier

growth

#157 of 661 • Top 23.6% 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: 0.42%

(Tier: 0.57%, National: 0.66%)

but worse than tier avg

Return on Assets: 2.94%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Concerns (2)

Liquidity Strain

risk

#328 of 691 • Bottom 47.3% 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: 104.97%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank declining

Capital Constraint

risk

#83 of 107 • Bottom 76.6% 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: 104.97%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

Tier 1 Capital Ratio: 13.36%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

107 of 107 Community banks match · 143 nationally

→ Stable -5 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 2643 peers in $100M-$1B

Top Strengths (6 metrics)

Return on Assets

profitability

Value: 2.94%

Peer Median: 1.32%

#60 of 2643 Top 2.2% in $100M-$1B

Efficiency Ratio

profitability

Value: 39.35%

Peer Median: 64.48%

#90 of 2643 Top 3.4% in $100M-$1B

232

Total Loans

size

Value: $538.88M

Peer Median: $258.35M

#232 of 2643 Top 8.7% in $100M-$1B

355

Non-Interest Income / Assets

revenue_mix

Value: 0.42%

Peer Median: 0.57%

#355 of 2643 Top 13.4% in $100M-$1B

422

Total Assets

size

Value: $648.50M

Peer Median: $386.57M

#422 of 2643 Top 15.9% in $100M-$1B

494

Total Deposits

size

Value: $513.36M

Peer Median: $326.73M

#494 of 2643 Top 18.7% in $100M-$1B

Top Weaknesses (2 metrics)

2490

Loan-to-Deposit Ratio

liquidity

Value: 104.97%

Peer Median: 77.95%

#2490 of 2643 Bottom 5.8% in $100M-$1B

2102

Nonperforming Asset Ratio

credit_quality

Value: 0.99%

Peer Median: 0.67%

#2102 of 2643 Bottom 20.5% in $100M-$1B