BlastPoint's Banking Scorecard
Citizens State Bank
Designations: ✓ Community bank
Anton, TX
3 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 536 banks in the under $100M peer group nationwide — 1 of 38 in TX.
- Deposits +0.8% year over year ($67.0M on the books).
- Delinquency rate 0.01%.
- Return on assets 0.82%.
- Efficiency ratio 79.23% vs a 119.40% peer average.
- Loan-to-deposit ratio 99.48% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Citizens State Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.86% above tier average
- + Efficiency Ratio 40.17% below tier average
- + Delinquency Rate 1.47% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 25.27% above tier average
- - ROA 0.18% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$80.7M
+0.7% YoY
-1.1% QoQ
|
+$18.3M |
$62.4M
-0.0% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
72% |
| Total Loans ? |
$66.7M
+11.5% YoY
+3.9% QoQ
|
+$31.8M |
$34.9M
-0.6% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
Top 7.6% in tier |
| Total Deposits ? |
$67.0M
+0.8% YoY
-1.0% QoQ
|
+$15.4M |
$51.6M
-0.2% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
69% |
| Return on Assets ? |
0.82%
-47.6% YoY
+21.3% QoQ
|
-0.18% |
1.00%
+3.5% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
41% |
| Net Interest Margin ? |
4.78%
-6.4% YoY
+2.2% QoQ
|
+0.86% |
3.91%
+2.3% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
82% |
| Efficiency Ratio ? |
79.23%
+20.5% YoY
-4.2% QoQ
|
-40.17% |
119.40%
+49.6% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
33% |
| Delinquency Rate ? |
0.01%
-65.1% YoY
-98.3% QoQ
|
-1.47% |
1.48%
+31.8% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
72% |
| Loan-to-Deposit Ratio ? |
99.48%
+10.7% YoY
+4.9% QoQ
|
+25.27% |
74.21%
+12.6% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
Bottom 9.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
21.93%
-16.8% YoY
+5.7% QoQ
|
-1.56% |
23.49%
+0.6% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
46% |
| Nonperforming Asset Ratio ? |
0.39%
-20.6% QoQ
|
-0.45% |
0.84%
+23.0% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
44% |
| Tier 1 Capital Ratio ? |
15.98%
-2.6% YoY
-2.9% QoQ
|
-11.15% |
27.13%
+3.0% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
53% |
| Non-Interest Income / Assets ? |
0.17%
-63.2% YoY
+81.2% QoQ
|
-1.21% |
1.38%
+6.3% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
64% |
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 (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
21.9%
-4.4pp YoY +1.2pp QoQ |
-2.7pp | 24.6% | 29.2% | 22.2% | 43% |
| Brokered Deposits |
3.5%
+0.5pp YoY +0.4pp QoQ |
-6.3pp | 9.8% | 8.0% | 8.5% | 32% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
14.7%
+7.1pp YoY +2.2pp QoQ |
+1.3pp | 13.4% | 14.8% | 12.5% | 68% |
| CRE | n/a | n/a | 25.2% | 48.4% | 41.4% | n/a |
| 1-4 Family |
44.1%
-5.5pp YoY -0.2pp QoQ |
+9.1pp | 35.0% | 25.8% | 31.3% | 66% |
| Consumer |
0.7%
0.0pp YoY +0.2pp QoQ |
-6.9pp | 7.7% | 4.7% | 5.0% | 9% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 22.7% | 19.7% | n/a |
| Leverage Ratio |
16.0%
-0.4pp YoY -0.5pp QoQ |
-1.7pp | 17.7% | 12.6% | 12.6% | 75% |
| Total Capital Ratio | n/a | n/a | 39.7% | 23.8% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
17
-2 (-10.5%) YoY -1 (-5.6%) QoQ |
+5 | 12 | 186 | 482 | 81% |
| Assets per Employee ($) |
$4.7M
+12.6% YoY +4.7% QoQ |
-$1.4M | $6.2M | $10.1M | $8.8M | 31% |
| Branch Count |
3
0 YoY 0 QoQ |
+1 | 1 | 12 | 18 | 89% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.3% | 0.4% | n/a |
| Nonaccrual |
0.0%
0.0pp QoQ |
-1.7pp | 1.7% | 1.0% | 1.0% | 0% |
| Allowance Coverage |
90.00x
+157.1% YoY +5557.1% QoQ |
+83.59x | 6.41x | 18.82x | 20.23x | 99% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
5.0%
-4.4pp YoY +0.9pp QoQ |
-1.4pp | 6.4% | 13.2% | 11.6% | 33% |
| Cost of Funds (YTD) |
1.8%
-0.1pp YoY 0.0pp QoQ |
+0.4pp | 1.4% | 1.6% | 1.7% | 74% |
| Net Income ($, YTD) |
$332,000
-46.5% YoY — QoQ |
+$14K | $317,817 | $15.9M | $40.4M | 56% |
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
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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.