BlastPoint's Banking Scorecard

The Citizens Bank

$1B-$10B Specialty: Commercial AR FDIC cert 17211

Designations: ✓ Community bank

Batesville, AR

16 branches across AR

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 885 banks in the $1B-$10B peer group nationwide — 1 of 20 in AR.
Deposits +8.5% year over year ($1.5B on the books).
Delinquency rate 0.38%.
Return on assets 1.55%.
Efficiency ratio 48.19% vs a 59.73% peer average.
Loan-to-deposit ratio 85.22% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 20 in AR

View $1B-$10B leaderboard (AR) →

The Citizens Bank has 3 strengths but faces 2 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

+ ROA 0.16% above tier average
+ Efficiency Ratio 11.54% below tier average
+ Delinquency Rate 0.49% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 18.4% in tier
- Net Interest Margin 0.13% below tier average

Get updates when The Citizens Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Total Assets ?	$1.6B +8.9% YoY +2.7% QoQ	-$1.2B	$2.8B -0.6% YoY	$2.4B +2.9% YoY	$6.3B +7.7% YoY	40%
Total Loans ?	$1.2B +4.8% YoY +0.2% QoQ	-$714.2M	$2.0B -0.3% YoY	$1.7B +5.8% YoY	$3.2B +9.4% YoY	45%
Total Deposits ?	$1.5B +8.5% YoY +2.8% QoQ	-$853.2M	$2.3B -0.5% YoY	$2.0B +2.5% YoY	$4.9B +7.3% YoY	44%
Return on Assets ?	1.55% +10.3% YoY +1.4% QoQ	+0.16%	1.39% +17.0% YoY	1.32% +8.9% YoY	1.30% +12.1% YoY	72%
Net Interest Margin ?	3.74% +4.5% YoY +2.5% QoQ	-0.13%	3.87% +6.2% YoY	4.10% +6.0% YoY	3.95% +4.9% YoY	52%
Efficiency Ratio ?	48.19% -10.4% YoY +0.2% QoQ	-11.54%	59.73% -12.6% YoY	61.09% -4.5% YoY	70.05% +2.5% YoY	82%
Delinquency Rate ?	0.38% +30.0% YoY -2.2% QoQ	-0.49%	0.87% +11.7% YoY	1.05% +22.1% YoY	0.98% +16.3% YoY	63%
Loan-to-Deposit Ratio ?	85.22% -3.4% YoY -2.6% QoQ	+0.18%	85.04% -0.1% YoY	82.37% +1.8% YoY	79.03% +2.3% YoY	55%
Non-Interest-Bearing Deposit Share ?	13.72% +21.4% YoY +1.5% QoQ	-7.55%	21.27% -1.5% YoY	19.62% +0.3% YoY	21.98% -0.6% YoY	22%
Nonperforming Asset Ratio ?	0.32% +35.2% YoY -4.4% QoQ	-0.36%	0.67% +11.7% YoY	0.84% +30.0% YoY	0.69% +15.8% YoY	60%
Tier 1 Capital Ratio ?	10.36% +1.8% YoY +0.5% QoQ	-4.48%	14.84% -0.4% YoY	13.64% +0.9% YoY	17.09% +0.8% YoY	Bottom 8.9% in tier
Non-Interest Income / Assets ?	0.24% +15.9% YoY +96.3% QoQ	-0.28%	0.53% +2.5% YoY	0.36% -4.6% YoY	0.66% +5.2% YoY	40%

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 (AR)	National Avg	Tier Percentile
Noninterest-Bearing	13.7% +2.4pp YoY +0.2pp QoQ	-7.6pp	21.4%	19.6%	22.2%	22%
Brokered Deposits	9.8% +1.1pp YoY -0.3pp QoQ	+0.3pp	9.5%	7.2%	8.5%	68%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
C&I	14.9% +2.3pp YoY +1.1pp QoQ	+0.9pp	14.0%	12.7%	12.5%	67%
CRE	48.4% -3.1pp YoY -0.9pp QoQ	-1.6pp	50.0%	41.0%	41.4%	45%
1-4 Family	18.8% +1.4pp YoY +0.8pp QoQ	-7.6pp	26.4%	28.1%	31.3%	39%
Consumer	0.8% -0.2pp YoY 0.0pp QoQ	-3.9pp	4.7%	4.5%	5.0%	41%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
CET1 Ratio	10.4% +0.2pp YoY 0.0pp QoQ	-5.2pp	15.6%	15.1%	19.7%	3%
Leverage Ratio	8.9% +0.4pp YoY -0.2pp QoQ	-2.4pp	11.3%	11.9%	12.6%	9%
Total Capital Ratio	11.6% +0.2pp YoY 0.0pp QoQ	-5.1pp	16.7%	16.3%	20.8%	5%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Full-Time Employees	199 +16 (+8.7%) YoY +9 (+4.7%) QoQ	-115	313	315	482	41%
Assets per Employee ($)	$8.1M +0.2% YoY -2.0% QoQ	-$2.4M	$10.5M	$6.7M	$8.8M	42%
Branch Count	16 0 YoY 0 QoQ	-4	20	25	18	53%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.1%	0.4%	n/a
Nonaccrual	0.4% +0.1pp YoY 0.0pp QoQ	-0.4pp	0.8%	1.1%	1.0%	38%
Allowance Coverage	3.95x -18.2% YoY +4.0% QoQ	-14.76x	18.71x	4.69x	20.23x	72%
Net Charge-off Rate (YTD)	0.1% -0.1pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.2%	0.2%	64%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
ROE	17.6% +0.7pp YoY +0.1pp QoQ	+5.0pp	12.6%	12.3%	11.6%	85%
Cost of Funds (YTD)	2.3% -0.3pp YoY 0.0pp QoQ	+0.3pp	1.9%	2.0%	1.7%	75%
Net Income ($, YTD)	$12.4M +18.2% YoY — QoQ	-$6.8M	$19.2M	$16.0M	$40.4M	50%

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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 (1)

Credit Risk Growth

risk

#75 of 402 • Bottom 18.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally

→ Stable -58 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 885 peers in $1B-$10B

Top Strengths (1 metrics)

164

Efficiency Ratio

profitability

Value: 48.19%

Peer Median: 59.73%

#164 of 885 Top 18.4% in $1B-$10B

Top Weaknesses (2 metrics)

807

Tier 1 Capital Ratio

capital

Value: 10.36%

Peer Median: 14.84%

#807 of 885 Bottom 8.9% in $1B-$10B

688

Non-Interest-Bearing Deposit Share

funding

Value: 13.72%

Peer Median: 21.27%

#688 of 885 Bottom 22.4% in $1B-$10B