BlastPoint's Banking Scorecard

Citizens State Bank

under $100M Specialty: Commercial TX FDIC cert 16581

Designations: ✓ Community bank

Anton, TX

3 branches across TX

541 banks in the under $100M peer group nationally 38 in TX

Citizens State Bank has 3 strengths but faces 1 concern

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

+ Net Interest Margin 0.81% above tier average
+ Efficiency Ratio 5.62% below tier average
+ Delinquency Rate 0.76% below tier average

Key Concerns

Areas that may need attention

- ROA 0.16% below tier average

Get updates when Citizens State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$81.6M +3.4% YoY +1.5% QoQ	+$19.5M	$62.2M -0.6% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	73%
Total Loans ?	$64.2M +13.9% YoY +6.2% QoQ	+$29.9M	$34.2M -1.4% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	Top 8.9% in tier
Total Deposits ?	$67.7M +4.2% YoY +1.7% QoQ	+$15.9M	$51.7M -0.7% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	70%
Return on Assets ?	0.68% -41.4% YoY -41.4% QoQ	-0.16%	0.84% -2.3% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	37%
Net Interest Margin ?	4.67% -4.8% YoY -7.7% QoQ	+0.81%	3.86% +2.8% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	81%
Efficiency Ratio ?	82.73% +14.6% YoY +12.7% QoQ	-5.62%	88.34% +0.3% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	31%
Delinquency Rate ?	0.62%	-0.76%	1.37% +33.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	45%
Loan-to-Deposit Ratio ?	94.84% +9.3% YoY +4.5% QoQ	+30.63%	64.22% -0.7% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	Bottom 11.6% in tier
Non-Interest-Bearing Deposit Share ?	20.75% -5.2% YoY -5.5% QoQ	-2.96%	23.71% +0.3% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	41%
Nonperforming Asset Ratio ?	0.49%	-0.30%	0.79% +28.2% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	39%
Tier 1 Capital Ratio ?	16.45% -2.5% YoY -3.1% QoQ	-10.24%	26.68% +2.0% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	56%
Non-Interest Income / Assets ?	0.09% -26.3% YoY -85.0% QoQ	-0.57%	0.67% +1.9% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	68%

Get Full Access to Citizens State Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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 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 (0)

No matched concern signatures this quarter

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 541 peers in under $100M

Top Strengths (2 metrics)

Total Loans

size

Value: $64.19M

Peer Median: $34.25M

#49 of 541 Top 8.9% in under $100M

102

Net Interest Margin

profitability

Value: 4.67%

Peer Median: 3.86%

#102 of 541 Top 18.7% in under $100M

Top Weaknesses (1 metrics)

479

Loan-to-Deposit Ratio

liquidity

Value: 94.84%

Peer Median: 64.22%

#479 of 541 Bottom 11.6% in under $100M