BlastPoint's Banking Scorecard

Citizens State Bank

$100M-$1B Specialty: Agricultural TX FDIC cert 15519

Miles, TX

2 branches across TX

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 219 in TX.
Deposits +3.7% year over year ($239.6M on the books).
Delinquency rate 0.45%.
Return on assets 2.55%.
Efficiency ratio 40.89% vs a 64.48% peer average.
Loan-to-deposit ratio 87.40% 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 219 in TX

View $100M-$1B leaderboard (TX) →

Citizens State Bank has 4 strengths but faces 2 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

+ Return on Assets 1.23% above tier average
+ Efficiency Ratio 23.59% below tier average
+ Net Interest Margin 0.47% above tier average
+ Delinquency Rate 0.47% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 35.4% in tier
- Credit Quality Pressure: Bottom 43.1% in tier

Get updates when Citizens State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$270.1M +4.5% YoY -3.7% QoQ	-$116.5M	$386.6M +1.2% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	41%
Total Loans ?	$209.4M +5.7% YoY +2.0% QoQ	-$49.0M	$258.3M +1.7% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	50%
Total Deposits ?	$239.6M +3.7% YoY -4.5% QoQ	-$87.2M	$326.7M +0.7% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	43%
Return on Assets ?	2.55% -5.6% YoY +6.2% QoQ	+1.23%	1.32% +10.8% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	Top 4.2% in tier
Net Interest Margin ?	4.46% -1.3% YoY +4.5% QoQ	+0.47%	3.99% +5.0% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	78%
Efficiency Ratio ?	40.89% +4.0% YoY -2.1% QoQ	-23.59%	64.48% -3.2% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	Top 4.7% in tier
Delinquency Rate ?	0.45% +203.5% YoY -50.2% QoQ	-0.47%	0.92% +15.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	48%
Loan-to-Deposit Ratio ?	87.40% +1.9% YoY +6.7% QoQ	+9.44%	77.95% +1.0% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	32%
Non-Interest-Bearing Deposit Share ?	21.37% -7.9% YoY -11.0% QoQ	-0.67%	22.03% -0.6% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	51%
Nonperforming Asset Ratio ?	0.58% +412.5% YoY -12.0% QoQ	-0.09%	0.67% +16.4% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	36%
Tier 1 Capital Ratio ?	10.74% +0.3% YoY +2.1% QoQ	-5.17%	15.91% +1.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	20%
Non-Interest Income / Assets ?	0.14% +5.1% YoY +95.3% QoQ	-0.43%	0.57% +7.6% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	31%

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 (TX)	National Avg	Tier Percentile
Noninterest-Bearing	21.4% -1.8pp YoY -2.6pp QoQ	-0.8pp	22.1%	29.2%	22.2%	51%
Brokered Deposits	n/a	n/a	7.9%	8.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
C&I	16.9% -4.4pp YoY -2.3pp QoQ	+5.4pp	11.6%	14.8%	12.5%	82%
CRE	25.3% +1.5pp YoY +1.7pp QoQ	-14.2pp	39.5%	48.4%	41.4%	27%
1-4 Family	28.8% -0.4pp YoY -0.2pp QoQ	-3.8pp	32.6%	25.8%	31.3%	48%
Consumer	2.9% +0.2pp YoY +0.2pp QoQ	-1.3pp	4.1%	4.7%	5.0%	58%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	22.7%	19.7%	n/a
Leverage Ratio	10.7% 0.0pp YoY +0.2pp QoQ	-1.4pp	12.2%	12.6%	12.6%	45%
Total Capital Ratio	n/a	n/a	19.9%	23.8%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	26 +3 (+13.0%) YoY +2 (+8.3%) QoQ	-33	58	186	482	21%
Assets per Employee ($)	$10.4M -7.5% YoY -11.1% QoQ	+$2.9M	$7.5M	$10.1M	$8.8M	88%
Branch Count	2 0 YoY 0 QoQ	-3	4	12	18	11%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.3%	0.4%	n/a
Nonaccrual	0.4% -0.5pp QoQ	-0.5pp	0.9%	1.0%	1.0%	50%
Allowance Coverage	2.66x -70.5% YoY +83.3% QoQ	-21.49x	24.15x	18.82x	20.23x	55%
Net Charge-off Rate (YTD)	0.4% +0.1pp QoQ	+0.2pp	0.1%	0.1%	0.2%	92%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	24.3% -2.1pp YoY +0.9pp QoQ	+12.1pp	12.2%	13.2%	11.6%	95%
Cost of Funds (YTD)	2.1% -0.1pp YoY 0.0pp QoQ	+0.4pp	1.7%	1.6%	1.7%	78%
Net Income ($, YTD)	$3.5M +3.4% YoY — QoQ	+$950K	$2.6M	$15.9M	$40.4M	76%

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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 (2)

Credit Risk Growth

risk

#332 of 936 • Bottom 35.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk

#542 of 1256 • Bottom 43.1% in tier

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

Why this signature

Delinquency Rate: 0.45%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank improving

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 (3 metrics)

113

Return on Assets

profitability

Value: 2.55%

Peer Median: 1.32%

#113 of 2643 Top 4.2% in $100M-$1B

125

Efficiency Ratio

profitability

Value: 40.89%

Peer Median: 64.48%

#125 of 2643 Top 4.7% in $100M-$1B

583

Net Interest Margin

profitability

Value: 4.46%

Peer Median: 3.99%

#583 of 2643 Top 22.0% in $100M-$1B

Top Weaknesses (1 metrics)

2124

Tier 1 Capital Ratio

capital

Value: 10.74%

Peer Median: 15.91%

#2124 of 2643 Bottom 19.7% in $100M-$1B