BlastPoint's Banking Scorecard
The Citizens Bank
Enterprise, AL
2 branches across AL
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 63 in AL.
- Deposits -7.6% year over year ($209.8M on the books).
- Delinquency rate 0.42%.
- Return on assets 1.12%.
- Efficiency ratio 65.43% vs a 64.48% peer average.
- Loan-to-deposit ratio 77.43% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Citizens Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.50% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 3.6% in tier
- - ROA 0.21% below tier average
- - Net Interest Margin 0.21% below tier average
- - Efficiency Ratio 0.95% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$233.3M
-5.7% YoY
-6.9% QoQ
|
-$153.2M |
$386.6M
+1.2% YoY
|
$2.5B
+1.5% YoY
|
$6.3B
+7.7% YoY
|
34% |
| Total Loans ? |
$162.4M
-1.3% YoY
-4.3% QoQ
|
-$95.9M |
$258.3M
+1.7% YoY
|
$1.6B
+2.8% YoY
|
$3.2B
+9.4% YoY
|
39% |
| Total Deposits ? |
$209.8M
-7.6% YoY
+1.2% QoQ
|
-$116.9M |
$326.7M
+0.7% YoY
|
$2.1B
+0.3% YoY
|
$4.9B
+7.3% YoY
|
36% |
| Return on Assets ? |
1.12%
+22.0% YoY
+21.4% QoQ
|
-0.21% |
1.32%
+10.8% YoY
|
0.89%
-13.0% YoY
|
1.30%
+12.1% YoY
|
42% |
| Net Interest Margin ? |
3.78%
+2.3% YoY
+2.9% QoQ
|
-0.21% |
3.99%
+5.0% YoY
|
4.02%
+3.4% YoY
|
3.95%
+4.9% YoY
|
41% |
| Efficiency Ratio ? |
65.43%
-0.6% YoY
-4.0% QoQ
|
+0.95% |
64.48%
-3.2% YoY
|
69.53%
+4.0% YoY
|
70.05%
+2.5% YoY
|
41% |
| Delinquency Rate ? |
0.42%
-29.4% YoY
+24.1% QoQ
|
-0.50% |
0.92%
+15.7% YoY
|
1.13%
+25.5% YoY
|
0.98%
+16.3% YoY
|
50% |
| Loan-to-Deposit Ratio ? |
77.43%
+6.8% YoY
-5.4% QoQ
|
-0.52% |
77.95%
+1.0% YoY
|
67.62%
+0.9% YoY
|
79.03%
+2.3% YoY
|
55% |
| Non-Interest-Bearing Deposit Share ? |
27.74%
+14.4% YoY
-4.9% QoQ
|
+5.71% |
22.03%
-0.6% YoY
|
24.04%
+0.1% YoY
|
21.98%
-0.6% YoY
|
76% |
| Nonperforming Asset Ratio ? |
0.29%
-26.2% YoY
+27.6% QoQ
|
-0.38% |
0.67%
+16.4% YoY
|
0.74%
+25.2% YoY
|
0.69%
+15.8% YoY
|
52% |
| Tier 1 Capital Ratio ? |
10.56%
+8.8% YoY
+1.2% QoQ
|
-5.35% |
15.91%
+1.4% YoY
|
15.01%
+1.3% YoY
|
17.09%
+0.8% YoY
|
18% |
| Non-Interest Income / Assets ? |
0.15%
+24.9% YoY
+145.8% QoQ
|
-0.42% |
0.57%
+7.6% YoY
|
0.35%
-14.4% YoY
|
0.66%
+5.2% YoY
|
35% |
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 (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
27.7%
+3.5pp YoY -1.4pp QoQ |
+5.6pp | 22.1% | 24.0% | 22.2% | 75% |
| Brokered Deposits |
3.8%
+3.8pp YoY -1.0pp QoQ |
-4.0pp | 7.9% | 5.5% | 8.5% | 44% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
15.0%
-0.2pp YoY +0.2pp QoQ |
+3.4pp | 11.6% | 16.9% | 12.5% | 76% |
| CRE |
40.6%
+1.8pp YoY +0.3pp QoQ |
+1.1pp | 39.5% | 43.5% | 41.4% | 54% |
| 1-4 Family |
42.5%
+0.8pp YoY +1.0pp QoQ |
+9.8pp | 32.6% | 30.6% | 31.3% | 74% |
| Consumer |
1.9%
-0.2pp YoY +0.1pp QoQ |
-2.2pp | 4.1% | 5.7% | 5.0% | 46% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 15.1% | 19.7% | n/a |
| Leverage Ratio |
10.6%
+0.9pp YoY +0.1pp QoQ |
-1.6pp | 12.2% | 13.2% | 12.6% | 42% |
| Total Capital Ratio | n/a | n/a | 19.9% | 16.2% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
31
+2 (+6.9%) YoY 0 QoQ |
-28 | 58 | 304 | 482 | 28% |
| Assets per Employee ($) |
$7.5M
-11.8% YoY -6.9% QoQ |
+$9K | $7.5M | $6.9M | $8.8M | 61% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 20 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.4%
+0.3pp YoY +0.1pp QoQ |
-0.5pp | 0.9% | 1.2% | 1.0% | 48% |
| Allowance Coverage |
2.57x
+51.3% YoY -17.0% QoQ |
-21.59x | 24.15x | 7.50x | 20.23x | 54% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.3% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.2%
+0.7pp YoY +1.8pp QoQ |
0.0pp | 12.2% | 10.0% | 11.6% | 50% |
| Cost of Funds (YTD) |
2.0%
-0.1pp YoY +0.1pp QoQ |
+0.3pp | 1.7% | 1.7% | 1.7% | 70% |
| Net Income ($, YTD) |
$1.4M
+25.8% YoY — QoQ |
-$1.2M | $2.6M | $17.2M | $40.4M | 37% |
Get Full Access to The Citizens 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)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.