BlastPoint's Banking Scorecard
The Citizens Bank
Designations: ✓ Community bank
Batesville, AR
16 branches across AR
The Citizens Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.17% above tier average
- + Efficiency Ratio 12.99% below tier average
- + Delinquency Rate 0.50% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 21.0% in tier
- - Capital Thin: Bottom 26.7% in tier
- - Net Interest Margin 0.17% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.6B
+5.0% YoY
-1.6% QoQ
|
-$1.2B |
$2.8B
-0.1% YoY
|
$2.3B
+2.8% YoY
|
$6.2B
+9.1% YoY
|
37% |
| Total Loans ? |
$1.2B
+4.8% YoY
-0.7% QoQ
|
-$718.6M |
$2.0B
+0.6% YoY
|
$1.7B
+6.4% YoY
|
$3.2B
+10.8% YoY
|
45% |
| Total Deposits ? |
$1.4B
+4.0% YoY
-2.3% QoQ
|
-$918.3M |
$2.3B
-0.3% YoY
|
$1.9B
+3.0% YoY
|
$4.8B
+8.2% YoY
|
43% |
| Return on Assets ? |
1.53%
+15.3% YoY
+15.8% QoQ
|
+0.17% |
1.37%
+19.6% YoY
|
1.34%
+14.2% YoY
|
1.23%
+13.4% YoY
|
73% |
| Net Interest Margin ? |
3.65%
+7.6% YoY
+0.1% QoQ
|
-0.17% |
3.82%
+6.9% YoY
|
4.08%
+8.2% YoY
|
3.89%
+5.7% YoY
|
51% |
| Efficiency Ratio ? |
48.08%
-12.6% YoY
-9.6% QoQ
|
-12.99% |
61.06%
-4.6% YoY
|
61.77%
-4.8% YoY
|
66.95%
-4.1% YoY
|
83% |
| Delinquency Rate ? |
0.39%
+47.8% YoY
+20.7% QoQ
|
-0.50% |
0.89%
+14.1% YoY
|
1.02%
+24.4% YoY
|
0.95%
+18.8% YoY
|
63% |
| Loan-to-Deposit Ratio ? |
87.45%
+0.8% YoY
+1.7% QoQ
|
+3.25% |
84.20%
+0.3% YoY
|
80.49%
+1.3% YoY
|
76.70%
+0.9% YoY
|
46% |
| Non-Interest-Bearing Deposit Share ? |
13.52%
+22.0% YoY
+0.4% QoQ
|
-7.77% |
21.29%
-2.5% YoY
|
19.62%
+0.8% YoY
|
22.01%
-1.2% YoY
|
22% |
| Nonperforming Asset Ratio ? |
0.33%
+59.6% YoY
+28.4% QoQ
|
-0.34% |
0.67%
+15.6% YoY
|
0.79%
+32.8% YoY
|
0.67%
+19.3% YoY
|
60% |
| Tier 1 Capital Ratio ? |
10.31%
+5.4% YoY
+3.9% QoQ
|
-4.85% |
15.16%
+2.0% YoY
|
13.59%
+0.0% YoY
|
17.06%
+0.8% YoY
|
Bottom 7.0% in tier |
| Non-Interest Income / Assets ? |
0.12%
+25.7% YoY
-69.0% QoQ
|
-0.13% |
0.26%
+1.6% YoY
|
0.18%
-3.1% YoY
|
0.32%
+4.1% YoY
|
41% |
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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 (0)
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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.