BlastPoint's Banking Scorecard
The Citizens State Bank
Hugoton, 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 +5.1% year over year ($118.4M on the books).
- Delinquency rate 0.30%.
- Return on assets 1.09%.
- Efficiency ratio 58.17% vs a 64.48% peer average.
- Loan-to-deposit ratio 58.78% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Citizens State Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 6.31% below tier average
- + Delinquency Rate 0.61% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 40.4% in tier
- - ROA 0.23% below tier average
- - Net Interest Margin 0.37% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$137.5M
+5.2% YoY
-3.8% QoQ
|
-$249.1M |
$386.6M
+1.2% YoY
|
$513.9M
+7.1% YoY
|
$6.3B
+7.7% YoY
|
Bottom 10.3% in tier |
| Total Loans ? |
$69.6M
-5.3% YoY
+1.9% QoQ
|
-$188.8M |
$258.3M
+1.7% YoY
|
$343.7M
+7.8% YoY
|
$3.2B
+9.4% YoY
|
Bottom 7.2% in tier |
| Total Deposits ? |
$118.4M
+5.1% YoY
-4.7% QoQ
|
-$208.4M |
$326.7M
+0.7% YoY
|
$426.3M
+7.4% YoY
|
$4.9B
+7.3% YoY
|
Bottom 11.2% in tier |
| Return on Assets ? |
1.09%
+34.3% YoY
+18.4% QoQ
|
-0.23% |
1.32%
+10.8% YoY
|
1.56%
+14.6% YoY
|
1.30%
+12.1% YoY
|
40% |
| Net Interest Margin ? |
3.61%
+8.0% YoY
+4.5% QoQ
|
-0.37% |
3.99%
+5.0% YoY
|
3.99%
+4.5% YoY
|
3.95%
+4.9% YoY
|
33% |
| Efficiency Ratio ? |
58.17%
-14.1% YoY
-6.1% QoQ
|
-6.31% |
64.48%
-3.2% YoY
|
60.13%
-4.7% YoY
|
70.05%
+2.5% YoY
|
63% |
| Delinquency Rate ? |
0.30%
-17.1% QoQ
|
-0.61% |
0.92%
+15.7% YoY
|
0.82%
+9.9% YoY
|
0.98%
+16.3% YoY
|
57% |
| Loan-to-Deposit Ratio ? |
58.78%
-10.0% YoY
+7.0% QoQ
|
-19.17% |
77.95%
+1.0% YoY
|
72.94%
+0.4% YoY
|
79.03%
+2.3% YoY
|
84% |
| Non-Interest-Bearing Deposit Share ? |
22.94%
+1.6% YoY
-19.3% QoQ
|
+0.91% |
22.03%
-0.6% YoY
|
22.01%
-1.4% YoY
|
21.98%
-0.6% YoY
|
59% |
| Nonperforming Asset Ratio ? |
0.15%
-12.2% QoQ
|
-0.51% |
0.67%
+16.4% YoY
|
0.53%
+8.8% YoY
|
0.69%
+15.8% YoY
|
65% |
| Tier 1 Capital Ratio ? |
13.54%
+2.3% YoY
+2.2% QoQ
|
-2.37% |
15.91%
+1.4% YoY
|
17.75%
-1.2% YoY
|
17.09%
+0.8% YoY
|
53% |
| Non-Interest Income / Assets ? |
0.10%
+12.0% YoY
+234.8% QoQ
|
-0.47% |
0.57%
+7.6% YoY
|
0.59%
-1.1% YoY
|
0.66%
+5.2% YoY
|
17% |
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 |
22.9%
+0.4pp YoY -5.5pp QoQ |
+0.8pp | 22.1% | 22.3% | 22.2% | 59% |
| 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 |
12.6%
+1.2pp YoY -0.4pp QoQ |
+1.0pp | 11.6% | 12.6% | 12.5% | 66% |
| CRE | n/a | n/a | 39.5% | 28.8% | 41.4% | n/a |
| 1-4 Family |
5.2%
-1.3pp YoY -0.4pp QoQ |
-27.4pp | 32.6% | 26.7% | 31.3% | 5% |
| Consumer |
1.5%
+0.2pp YoY 0.0pp QoQ |
-2.6pp | 4.1% | 4.6% | 5.0% | 39% |
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 |
13.5%
+0.3pp YoY +0.3pp QoQ |
+1.4pp | 12.2% | 12.6% | 12.6% | 79% |
| 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 |
19
-3 (-13.6%) YoY -2 (-9.5%) QoQ |
-40 | 58 | 70 | 482 | 9% |
| Assets per Employee ($) |
$7.2M
+21.8% YoY +6.3% QoQ |
-$283K | $7.5M | $7.1M | $8.8M | 56% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 6 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp QoQ |
-0.3pp | 0.3% | 0.4% | 0.4% | 21% |
| Nonaccrual |
0.3%
-0.1pp QoQ |
-0.6pp | 0.9% | 0.8% | 1.0% | 37% |
| Allowance Coverage |
3.94x
+23.6% QoQ |
-20.21x | 24.15x | 22.44x | 20.23x | 65% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 43% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
8.4%
+1.9pp YoY +1.2pp QoQ |
-3.7pp | 12.2% | 14.3% | 11.6% | 28% |
| Cost of Funds (YTD) |
1.7%
-0.3pp YoY 0.0pp QoQ |
0.0pp | 1.7% | 1.6% | 1.7% | 48% |
| Net Income ($, YTD) |
$763,000
+38.2% YoY — QoQ |
-$1.8M | $2.6M | $3.7M | $40.4M | 19% |
Get Full Access to The Citizens State Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.