BlastPoint's Banking Scorecard
Citizens Bank of the Midwest
Rolla, MO
3 branches across MO
Citizens Bank of the Midwest has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 7.95% below tier average
- + Delinquency Rate 0.73% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 50.5% in tier
- - Nonperforming Asset Ratio 1.74% above tier average
- - Non-Interest Income / Assets 0.25% below tier average
- - Net Interest Margin 0.83% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$249.4M
+10.5% YoY
+3.6% QoQ
|
-$136.7M |
$386.1M
+0.5% YoY
|
$1.6B
+6.5% YoY
|
$6.2B
+9.1% YoY
|
37% |
| Total Loans ? |
$163.4M
+7.1% YoY
+0.5% QoQ
|
-$92.3M |
$255.7M
+1.1% YoY
|
$1.0B
+8.5% YoY
|
$3.2B
+10.8% YoY
|
40% |
| Total Deposits ? |
$207.9M
+6.2% YoY
+6.8% QoQ
|
-$120.0M |
$328.0M
+0.1% YoY
|
$1.3B
+6.1% YoY
|
$4.8B
+8.2% YoY
|
36% |
| Return on Assets ? |
1.12%
-15.1% YoY
+5.5% QoQ
|
-0.14% |
1.27%
+12.9% YoY
|
1.43%
+10.8% YoY
|
1.23%
+13.4% YoY
|
45% |
| Net Interest Margin ? |
3.11%
-4.8% YoY
-6.2% QoQ
|
-0.83% |
3.93%
+6.0% YoY
|
4.51%
+2.1% YoY
|
3.89%
+5.7% YoY
|
Bottom 14.5% in tier |
| Efficiency Ratio ? |
57.33%
-0.6% YoY
-2.6% QoQ
|
-7.95% |
65.29%
-4.5% YoY
|
59.97%
-5.2% YoY
|
66.95%
-4.1% YoY
|
68% |
| Delinquency Rate ? |
0.16%
-19.7% YoY
-13.9% QoQ
|
-0.73% |
0.89%
+18.8% YoY
|
0.83%
+18.3% YoY
|
0.95%
+18.8% YoY
|
68% |
| Loan-to-Deposit Ratio ? |
78.57%
+0.8% YoY
-5.9% QoQ
|
+1.93% |
76.64%
+0.8% YoY
|
79.48%
+1.6% YoY
|
76.70%
+0.9% YoY
|
50% |
| Non-Interest-Bearing Deposit Share ? |
10.49%
+20.1% YoY
+0.4% QoQ
|
-11.53% |
22.02%
-1.0% YoY
|
20.72%
+0.3% YoY
|
22.01%
-1.2% YoY
|
Bottom 11.8% in tier |
| Nonperforming Asset Ratio ? |
2.38%
-12.3% YoY
-4.7% QoQ
|
+1.74% |
0.64%
+19.7% YoY
|
0.67%
+20.5% YoY
|
0.67%
+19.3% YoY
|
Bottom 4.8% in tier |
| Tier 1 Capital Ratio ? |
12.01%
+0.5% YoY
+0.9% QoQ
|
-3.82% |
15.83%
+1.5% YoY
|
15.44%
-0.4% YoY
|
17.06%
+0.8% YoY
|
35% |
| Non-Interest Income / Assets ? |
0.03%
+7.5% YoY
-80.4% QoQ
|
-0.25% |
0.28%
+9.3% YoY
|
0.29%
+5.6% YoY
|
0.32%
+4.1% YoY
|
Bottom 9.5% in tier |
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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 (0)
Concerns (1)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.