BlastPoint's Banking Scorecard

The Citizens State Bank and Trust Company

under $100M Specialty: Agricultural KS FDIC cert 15254

Designations: ✓ Community bank

Council Grove, KS

7 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 536 banks in the under $100M peer group nationwide — 1 of 48 in KS.
Deposits +16.6% year over year ($84.3M on the books).
Delinquency rate 0.11%.
Return on assets 1.95%.
Efficiency ratio 56.61% vs a 119.40% peer average.
Loan-to-deposit ratio 96.81% vs a 74.21% peer average.

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

536 banks in the under $100M peer group nationally 48 in KS

View under $100M leaderboard (KS) →

The Citizens State Bank and Trust Company shows strong momentum with 4 strengths and 14.8% 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

+ Net Interest Margin 1.26% above tier average
+ ROA 0.96% above tier average
+ Efficiency Ratio 62.79% below tier average
+ Delinquency Rate 1.37% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when The Citizens State Bank and Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$96.1M +14.8% YoY +8.8% QoQ	+$33.7M	$62.4M -0.0% YoY	$513.9M +7.1% YoY	$6.3B +7.7% YoY	Top 5.6% in tier
Total Loans ?	$81.7M +13.5% YoY +8.8% QoQ	+$46.8M	$34.9M -0.6% YoY	$343.7M +7.8% YoY	$3.2B +9.4% YoY	Top 0.7% in tier
Total Deposits ?	$84.3M +16.6% YoY +8.6% QoQ	+$32.7M	$51.6M -0.2% YoY	$426.3M +7.4% YoY	$4.9B +7.3% YoY	Top 4.7% in tier
Return on Assets ?	1.95% -3.1% YoY +4.4% QoQ	+0.96%	1.00% +3.5% YoY	1.56% +14.6% YoY	1.30% +12.1% YoY	Top 12.1% in tier
Net Interest Margin ?	5.17% -7.9% YoY +0.9% QoQ	+1.26%	3.91% +2.3% YoY	3.99% +4.5% YoY	3.95% +4.9% YoY	Top 7.8% in tier
Efficiency Ratio ?	56.61% -3.6% YoY -3.4% QoQ	-62.79%	119.40% +49.6% YoY	60.13% -4.7% YoY	70.05% +2.5% YoY	79%
Delinquency Rate ?	0.11%	-1.37%	1.48% +31.8% YoY	0.82% +9.9% YoY	0.98% +16.3% YoY	65%
Loan-to-Deposit Ratio ?	96.81% -2.6% YoY +0.2% QoQ	+22.60%	74.21% +12.6% YoY	72.94% +0.4% YoY	79.03% +2.3% YoY	Bottom 11.9% in tier
Non-Interest-Bearing Deposit Share ?	16.82% +4.3% YoY +13.6% QoQ	-6.67%	23.49% +0.6% YoY	22.01% -1.4% YoY	21.98% -0.6% YoY	29%
Nonperforming Asset Ratio ?	0.09%	-0.74%	0.84% +23.0% YoY	0.53% +8.8% YoY	0.69% +15.8% YoY	61%
Tier 1 Capital Ratio ?	9.97% +3.5% YoY +3.8% QoQ	-17.16%	27.13% +3.0% YoY	17.75% -1.2% YoY	17.09% +0.8% YoY	Bottom 5.8% in tier
Non-Interest Income / Assets ?	0.06% -31.8% YoY +36.8% QoQ	-1.32%	1.38% +6.3% YoY	0.59% -1.1% YoY	0.66% +5.2% YoY	24%

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	16.8% +0.7pp YoY +2.0pp QoQ	-7.8pp	24.6%	22.3%	22.2%	25%
Brokered Deposits	n/a	n/a	9.8%	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	11.5% -0.3pp YoY +1.4pp QoQ	-1.9pp	13.4%	12.6%	12.5%	57%
CRE	n/a	n/a	25.2%	28.8%	41.4%	n/a
1-4 Family	14.3% -3.6pp YoY -2.0pp QoQ	-20.7pp	35.0%	26.7%	31.3%	28%
Consumer	1.7% -0.5pp YoY -0.2pp QoQ	-6.0pp	7.7%	4.6%	5.0%	19%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
CET1 Ratio	10.0% +0.3pp YoY +0.4pp QoQ	-28.7pp	38.7%	23.3%	19.7%	2%
Leverage Ratio	9.0% +0.5pp YoY +0.6pp QoQ	-8.7pp	17.7%	12.6%	12.6%	8%
Total Capital Ratio	11.0% +0.4pp YoY +0.3pp QoQ	-28.7pp	39.7%	24.4%	20.8%	2%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Full-Time Employees	26 0 YoY -1 (-3.7%) QoQ	+14	12	70	482	96%
Assets per Employee ($)	$3.7M +14.8% YoY +13.0% QoQ	-$2.5M	$6.2M	$7.1M	$8.8M	15%
Branch Count	7 0 YoY 0 QoQ	+5	1	6	18	100%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	1.0%	0.4%	0.4%	n/a
Nonaccrual	0.1%	-1.6pp	1.7%	0.8%	1.0%	13%
Allowance Coverage	9.32x	+2.91x	6.41x	22.44x	20.23x	87%
Net Charge-off Rate (YTD)	n/a	n/a	0.2%	0.1%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
ROE	23.3% -0.2pp YoY +0.7pp QoQ	+16.9pp	6.4%	14.3%	11.6%	96%
Cost of Funds (YTD)	2.4% -0.1pp YoY 0.0pp QoQ	+0.9pp	1.4%	1.6%	1.7%	89%
Net Income ($, YTD)	$878,000 +9.3% YoY — QoQ	+$560K	$317,817	$3.7M	$40.4M	93%

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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 (0)

No matched strength signatures this quarter

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 536 peers in under $100M

Top Strengths (6 metrics)

Total Loans

size

Value: $81.65M

Peer Median: $34.89M

#5 of 536 Top 0.7% in under $100M

Total Deposits

size

Value: $84.34M

Peer Median: $51.62M

#26 of 536 Top 4.7% in under $100M

Total Assets

size

Value: $96.10M

Peer Median: $62.44M

#31 of 536 Top 5.6% in under $100M

Net Interest Margin

profitability

Value: 5.17%

Peer Median: 3.91%

#43 of 536 Top 7.8% in under $100M

Return on Assets

profitability

Value: 1.95%

Peer Median: 1.00%

#66 of 536 Top 12.1% in under $100M

112

Efficiency Ratio

profitability

Value: 56.61%

Peer Median: 119.40%

#112 of 536 Top 20.7% in under $100M

Top Weaknesses (3 metrics)

506

Tier 1 Capital Ratio

capital

Value: 9.97%

Peer Median: 27.13%

#506 of 536 Bottom 5.8% in under $100M

473

Loan-to-Deposit Ratio

liquidity

Value: 96.81%

Peer Median: 74.21%

#473 of 536 Bottom 11.9% in under $100M

409

Non-Interest Income / Assets

revenue_mix

Value: 0.06%

Peer Median: 1.38%

#409 of 536 Bottom 23.9% in under $100M