BlastPoint's Banking Scorecard
Citizens Bank
Kilgore, TX
11 branches across TX
Citizens Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 24.4% in tier
- + Net Interest Margin 0.51% above tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 14.1% in tier
- - Flatlined Growth: Bottom 41.0% in tier
- - ROA 0.42% below tier average
- - Efficiency Ratio 8.68% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$495.1M
+1.5% YoY
-3.2% QoQ
|
+$109.0M |
$386.1M
+0.5% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
72% |
| Total Loans ? |
$324.1M
+15.8% YoY
+3.7% QoQ
|
+$68.4M |
$255.7M
+1.1% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
71% |
| Total Deposits ? |
$444.2M
+7.1% YoY
+2.4% QoQ
|
+$116.3M |
$328.0M
+0.1% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
74% |
| Return on Assets ? |
0.84%
+99.5% YoY
-2.2% QoQ
|
-0.42% |
1.27%
+12.9% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
28% |
| Net Interest Margin ? |
4.44%
+12.5% YoY
-4.5% QoQ
|
+0.51% |
3.93%
+6.0% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
80% |
| Efficiency Ratio ? |
73.96%
-9.2% YoY
-6.5% QoQ
|
+8.68% |
65.29%
-4.5% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
24% |
| Delinquency Rate ? |
0.03%
-34.9% YoY
-26.2% QoQ
|
-0.86% |
0.89%
+18.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
82% |
| Loan-to-Deposit Ratio ? |
72.96%
+8.2% YoY
+1.2% QoQ
|
-3.68% |
76.64%
+0.8% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
62% |
| Non-Interest-Bearing Deposit Share ? |
29.80%
+4.8% YoY
+6.0% QoQ
|
+7.78% |
22.02%
-1.0% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
81% |
| Nonperforming Asset Ratio ? |
0.02%
-25.7% YoY
-20.9% QoQ
|
-0.62% |
0.64%
+19.7% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
83% |
| Tier 1 Capital Ratio ? |
9.91%
-54.1% YoY
-52.9% QoQ
|
-5.92% |
15.83%
+1.5% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
Bottom 8.7% in tier |
| Non-Interest Income / Assets ? |
0.05%
+12.1% YoY
-74.9% QoQ
|
-0.23% |
0.28%
+9.3% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
21% |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (2)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
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.