BlastPoint's Banking Scorecard
Citizens Bank of the Midwest
Rolla, MO
3 branches across MO
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 140 in MO.
- Deposits -3.3% year over year ($191.6M on the books).
- Delinquency rate 0.33%.
- Return on assets 1.03%.
- Efficiency ratio 58.85% vs a 64.48% peer average.
- Loan-to-deposit ratio 85.54% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Citizens Bank of the Midwest has 2 strengths but faces 7 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 5.63% below tier average
- + Delinquency Rate 0.59% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 2.3% in tier
- - Capital Constraint: Bottom 15.9% in tier
- - Margin Compression: Bottom 21.5% in tier
- - Credit Quality Pressure: Bottom 24.5% in tier
- - Flatlined Growth: Bottom 35.0% in tier
- - Nonperforming Asset Ratio 1.92% above tier average
- - Net Interest Margin 0.81% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$238.3M
-0.1% YoY
-4.5% QoQ
|
-$148.3M |
$386.6M
+1.2% YoY
|
$1.6B
+6.4% YoY
|
$6.3B
+7.7% YoY
|
34% |
| Total Loans ? |
$163.9M
+1.6% YoY
+0.3% QoQ
|
-$94.4M |
$258.3M
+1.7% YoY
|
$1.0B
+10.0% YoY
|
$3.2B
+9.4% YoY
|
39% |
| Total Deposits ? |
$191.6M
-3.3% YoY
-7.9% QoQ
|
-$135.1M |
$326.7M
+0.7% YoY
|
$1.3B
+6.1% YoY
|
$4.9B
+7.3% YoY
|
32% |
| Return on Assets ? |
1.03%
-13.5% YoY
-8.7% QoQ
|
-0.30% |
1.32%
+10.8% YoY
|
1.46%
+5.9% YoY
|
1.30%
+12.1% YoY
|
35% |
| Net Interest Margin ? |
3.17%
-2.8% YoY
+2.2% QoQ
|
-0.81% |
3.99%
+5.0% YoY
|
4.55%
+0.7% YoY
|
3.95%
+4.9% YoY
|
15% |
| Efficiency Ratio ? |
58.85%
+4.5% YoY
+2.6% QoQ
|
-5.63% |
64.48%
-3.2% YoY
|
59.57%
-3.2% YoY
|
70.05%
+2.5% YoY
|
61% |
| Delinquency Rate ? |
0.33%
+47.2% YoY
+104.3% QoQ
|
-0.59% |
0.92%
+15.7% YoY
|
0.82%
+12.6% YoY
|
0.98%
+16.3% YoY
|
55% |
| Loan-to-Deposit Ratio ? |
85.54%
+5.0% YoY
+8.9% QoQ
|
+7.59% |
77.95%
+1.0% YoY
|
80.82%
+1.6% YoY
|
79.03%
+2.3% YoY
|
36% |
| Non-Interest-Bearing Deposit Share ? |
11.27%
+23.6% YoY
+7.5% QoQ
|
-10.76% |
22.03%
-0.6% YoY
|
20.71%
-0.5% YoY
|
21.98%
-0.6% YoY
|
Bottom 13.1% in tier |
| Nonperforming Asset Ratio ? |
2.59%
+0.6% YoY
+8.9% QoQ
|
+1.92% |
0.67%
+16.4% YoY
|
0.67%
+14.9% YoY
|
0.69%
+15.8% YoY
|
Bottom 4.5% in tier |
| Tier 1 Capital Ratio ? |
11.83%
+2.9% YoY
-1.4% QoQ
|
-4.08% |
15.91%
+1.4% YoY
|
15.38%
-1.1% YoY
|
17.09%
+0.8% YoY
|
34% |
| Non-Interest Income / Assets ? |
0.07%
-1.1% YoY
+114.4% QoQ
|
-0.50% |
0.57%
+7.6% YoY
|
0.58%
+5.8% YoY
|
0.66%
+5.2% YoY
|
Bottom 10.1% in tier |
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 (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
11.3%
+2.1pp YoY +0.8pp QoQ |
-10.9pp | 22.1% | 20.9% | 22.2% | 13% |
| Brokered Deposits |
13.0%
-10.6pp YoY -5.7pp QoQ |
+5.2pp | 7.9% | 7.4% | 8.5% | 82% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
8.4%
+0.9pp YoY -0.3pp QoQ |
-3.1pp | 11.6% | 12.3% | 12.5% | 43% |
| CRE |
32.7%
-0.4pp YoY +1.9pp QoQ |
-6.8pp | 39.5% | 36.8% | 41.4% | 40% |
| 1-4 Family |
49.3%
+0.1pp YoY -1.6pp QoQ |
+16.7pp | 32.6% | 31.9% | 31.3% | 82% |
| Consumer |
2.0%
-0.5pp YoY 0.0pp QoQ |
-2.1pp | 4.1% | 4.1% | 5.0% | 48% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
11.8%
+0.3pp YoY -0.2pp QoQ |
-7.0pp | 18.8% | 18.5% | 19.7% | 15% |
| Leverage Ratio |
8.4%
0.0pp YoY +0.3pp QoQ |
-3.8pp | 12.2% | 11.6% | 12.6% | 5% |
| Total Capital Ratio |
13.0%
+0.3pp YoY -0.2pp QoQ |
-6.9pp | 19.9% | 19.6% | 20.8% | 16% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
35
0 YoY -3 (-7.9%) QoQ |
-24 | 58 | 162 | 482 | 35% |
| Assets per Employee ($) |
$6.8M
-0.1% YoY +3.7% QoQ |
-$711K | $7.5M | $8.0M | $8.8M | 49% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 10 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp QoQ |
-0.3pp | 0.3% | 0.3% | 0.4% | 2% |
| Nonaccrual |
0.3%
+0.1pp YoY +0.2pp QoQ |
-0.6pp | 0.9% | 0.8% | 1.0% | 41% |
| Allowance Coverage |
3.89x
-32.2% YoY -50.7% QoQ |
-20.26x | 24.15x | 10.47x | 20.23x | 64% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.3% | 0.2% | 6% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
17.6%
-4.9pp YoY -1.9pp QoQ |
+5.4pp | 12.2% | 14.3% | 11.6% | 80% |
| Cost of Funds (YTD) |
3.2%
0.0pp YoY 0.0pp QoQ |
+1.5pp | 1.7% | 1.8% | 1.7% | 99% |
| Net Income ($, YTD) |
$1.2M
-6.4% YoY — QoQ |
-$1.3M | $2.6M | $11.3M | $40.4M | 34% |
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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 (5)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
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.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.