BlastPoint's Banking Scorecard

Citizens 1st Bank

$100M-$1B Specialty: Commercial TX FDIC cert 1715

Tyler, TX

4 branches across TX

2664 banks in the $100M-$1B peer group nationally 219 in TX

Citizens 1st Bank has 3 strengths but faces 4 concerns

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

+ Efficiency Ratio 25.17% below tier average
+ ROA 0.33% above tier average
+ Delinquency Rate 0.12% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 8.0% in tier
- NIB Deposit Bleed: Bottom 27.8% in tier
- Net Interest Margin 1.18% below tier average
- Non-Interest Income / Assets 0.26% below tier average

Get updates when Citizens 1st 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 ?	$828.4M +7.2% YoY +1.0% QoQ	+$442.3M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	Top 7.0% in tier
Total Loans ?	$485.6M +11.2% YoY +1.9% QoQ	+$229.9M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	Top 12.5% in tier
Total Deposits ?	$622.6M +5.3% YoY +0.1% QoQ	+$294.6M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	Top 11.2% in tier
Return on Assets ?	1.60% +46.3% YoY +28.3% QoQ	+0.33%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	72%
Net Interest Margin ?	2.75% +14.1% YoY +5.3% QoQ	-1.18%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	Bottom 6.1% in tier
Efficiency Ratio ?	40.12% -24.1% YoY -14.3% QoQ	-25.17%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	Top 4.2% in tier
Delinquency Rate ?	0.76% -17.4% YoY -28.6% QoQ	-0.12%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	34%
Loan-to-Deposit Ratio ?	78.00% +5.6% YoY +1.8% QoQ	+1.36%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	50%
Non-Interest-Bearing Deposit Share ?	12.11% -21.6% YoY -4.5% QoQ	-9.91%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	15%
Nonperforming Asset Ratio ?	0.45% -49.6% YoY -28.0% QoQ	-0.19%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	41%
Tier 1 Capital Ratio ?	36.46% -2.9% YoY -1.2% QoQ	+20.63%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	Top 2.0% in tier
Non-Interest Income / Assets ?	0.02% +5.3% YoY -61.1% QoQ	-0.26%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	Bottom 3.3% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

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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 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 (2)

Liquidity Overhang

risk

#60 of 739 • Bottom 8.0% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 36.46%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 78.00%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank improving

NIB Deposit Bleed

decline

#56 of 198 • Bottom 27.8% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 12.11%

(Tier: 22.02%, National: 22.01%)

worse than tier avg

198 of 198 Community banks match · 238 nationally

↓ Shrinking -31 banks QoQ | QoQ rank improving

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 2664 peers in $100M-$1B

Top Strengths (5 metrics)

Tier 1 Capital Ratio

capital

Value: 36.46%

Peer Median: 15.83%

#55 of 2664 Top 2.0% in $100M-$1B

113

Efficiency Ratio

profitability

Value: 40.12%

Peer Median: 65.29%

#113 of 2664 Top 4.2% in $100M-$1B

188

Total Assets

size

Value: $828.37M

Peer Median: $386.08M

#188 of 2664 Top 7.0% in $100M-$1B

299

Total Deposits

size

Value: $622.56M

Peer Median: $327.97M

#299 of 2664 Top 11.2% in $100M-$1B

333

Total Loans

size

Value: $485.59M

Peer Median: $255.72M

#333 of 2664 Top 12.5% in $100M-$1B

Top Weaknesses (3 metrics)

2578

Non-Interest Income / Assets

revenue_mix

Value: 0.02%

Peer Median: 0.28%

#2578 of 2664 Bottom 3.3% in $100M-$1B

2503

Net Interest Margin

profitability

Value: 2.75%

Peer Median: 3.93%

#2503 of 2664 Bottom 6.1% in $100M-$1B

2262

Non-Interest-Bearing Deposit Share

funding

Value: 12.11%

Peer Median: 22.02%

#2262 of 2664 Bottom 15.1% in $100M-$1B