BlastPoint's Banking Scorecard

The Citizens State Bank

$100M-$1B Specialty: Agricultural KS FDIC cert 15261

Hugoton, KS

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

The Citizens State Bank has 2 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

+ Efficiency Ratio 3.31% below tier average
+ Delinquency Rate 0.52% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 44.7% in tier
- Non-Interest Income / Assets 0.25% below tier average
- ROA 0.35% below tier average
- Net Interest Margin 0.47% below tier average

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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 ?	$143.0M +3.4% YoY +2.6% QoQ	-$243.1M	$386.1M +0.5% YoY	$509.2M +7.2% YoY	$6.2B +9.1% YoY	Bottom 12.2% in tier
Total Loans ?	$68.3M -1.4% YoY -12.2% QoQ	-$187.4M	$255.7M +1.1% YoY	$338.5M +8.8% YoY	$3.2B +10.8% YoY	Bottom 7.0% in tier
Total Deposits ?	$124.3M +2.8% YoY +3.4% QoQ	-$203.7M	$328.0M +0.1% YoY	$424.4M +7.3% YoY	$4.8B +8.2% YoY	Bottom 13.2% in tier
Return on Assets ?	0.92% +30.2% YoY +4.7% QoQ	-0.35%	1.27% +12.9% YoY	1.40% +19.8% YoY	1.23% +13.4% YoY	33%
Net Interest Margin ?	3.46% +8.1% YoY -0.1% QoQ	-0.47%	3.93% +6.0% YoY	3.92% +4.5% YoY	3.89% +5.7% YoY	29%
Efficiency Ratio ?	61.98% -11.5% YoY -3.9% QoQ	-3.31%	65.29% -4.5% YoY	62.29% -5.0% YoY	66.95% -4.1% YoY	54%
Delinquency Rate ?	0.37% +13.9% QoQ	-0.52%	0.89% +18.8% YoY	0.77% +10.4% YoY	0.95% +18.8% YoY	53%
Loan-to-Deposit Ratio ?	54.95% -4.2% YoY -15.0% QoQ	-21.68%	76.64% +0.8% YoY	71.79% +1.2% YoY	76.70% +0.9% YoY	Top 13.5% in tier
Non-Interest-Bearing Deposit Share ?	28.43% +17.5% YoY +20.3% QoQ	+6.41%	22.02% -1.0% YoY	22.83% -2.0% YoY	22.01% -1.2% YoY	78%
Nonperforming Asset Ratio ?	0.18% -2.6% QoQ	-0.46%	0.64% +19.7% YoY	0.51% +12.5% YoY	0.67% +19.3% YoY	62%
Tier 1 Capital Ratio ?	13.26% +4.6% YoY -5.8% QoQ	-2.57%	15.83% +1.5% YoY	17.98% -0.9% YoY	17.06% +0.8% YoY	50%
Non-Interest Income / Assets ?	0.03% -19.1% YoY -81.2% QoQ	-0.25%	0.28% +9.3% YoY	0.28% -1.8% YoY	0.32% +4.1% YoY	Bottom 7.6% in tier

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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 (1)

Credit Quality Pressure

risk

#586 of 1308 • Bottom 44.7% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.37%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 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 (2 metrics)

361

Loan-to-Deposit Ratio

liquidity

Value: 54.95%

Peer Median: 76.64%

#361 of 2664 Top 13.5% in $100M-$1B

596

Non-Interest-Bearing Deposit Share

funding

Value: 28.43%

Peer Median: 22.02%

#596 of 2664 Top 22.3% in $100M-$1B

Top Weaknesses (4 metrics)

2478

Total Loans

size

Value: $68.28M

Peer Median: $255.72M

#2478 of 2664 Bottom 7.0% in $100M-$1B

2463

Non-Interest Income / Assets

revenue_mix

Value: 0.03%

Peer Median: 0.28%

#2463 of 2664 Bottom 7.6% in $100M-$1B

2340

Total Assets

size

Value: $142.96M

Peer Median: $386.08M

#2340 of 2664 Bottom 12.2% in $100M-$1B

2314

Total Deposits

size

Value: $124.25M

Peer Median: $327.97M

#2314 of 2664 Bottom 13.2% in $100M-$1B