BlastPoint's Banking Scorecard
Citizens State Bank
Sealy, 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
- Deposits +17.1% year over year ($456.6M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.42%.
- Efficiency ratio 44.18% vs a 64.48% peer average.
- Loan-to-deposit ratio 68.52% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Citizens State Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 32.5% in tier
- + Efficiency Ratio 20.30% below tier average
- + Nonperforming Asset Ratio 0.67% below tier average
- + ROA 0.10% above tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.77% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$507.0M
+17.0% YoY
-0.1% QoQ
|
+$120.5M |
$386.6M
+1.2% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
73% |
| Total Loans ? |
$312.9M
+16.3% YoY
+6.8% QoQ
|
+$54.5M |
$258.3M
+1.7% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
69% |
| Total Deposits ? |
$456.6M
+17.1% YoY
-0.3% QoQ
|
+$129.9M |
$326.7M
+0.7% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
76% |
| Return on Assets ? |
1.42%
+8.6% YoY
+2.8% QoQ
|
+0.10% |
1.32%
+10.8% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
61% |
| Net Interest Margin ? |
3.22%
+5.5% YoY
+2.2% QoQ
|
-0.77% |
3.99%
+5.0% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
17% |
| Efficiency Ratio ? |
44.18%
-5.9% YoY
-3.6% QoQ
|
-20.30% |
64.48%
-3.2% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
Top 8.0% in tier |
| Delinquency Rate ? | 0.00% | -0.92% |
0.92%
+15.7% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
68.52%
-0.7% YoY
+7.0% QoQ
|
-9.43% |
77.95%
+1.0% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
72% |
| Non-Interest-Bearing Deposit Share ? |
23.80%
-9.4% YoY
-7.3% QoQ
|
+1.77% |
22.03%
-0.6% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
62% |
| Nonperforming Asset Ratio ? | 0.00% | -0.67% |
0.67%
+16.4% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
10.35%
-5.9% YoY
-1.2% QoQ
|
-5.56% |
15.91%
+1.4% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
Bottom 15.0% in tier |
| Non-Interest Income / Assets ? |
0.10%
-13.2% YoY
+105.0% QoQ
|
-0.46% |
0.57%
+7.6% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
19% |
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 |
23.8%
-2.5pp YoY -1.9pp QoQ |
+1.7pp | 22.1% | 29.2% | 22.2% | 62% |
| Brokered Deposits | n/a | n/a | 7.9% | 8.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
4.3%
-0.8pp YoY +0.1pp QoQ |
-7.2pp | 11.6% | 14.8% | 12.5% | 16% |
| CRE |
27.4%
+4.1pp YoY +2.9pp QoQ |
-12.1pp | 39.5% | 48.4% | 41.4% | 30% |
| 1-4 Family |
57.8%
-3.7pp YoY -3.2pp QoQ |
+25.2pp | 32.6% | 25.8% | 31.3% | 88% |
| Consumer |
2.7%
-0.4pp YoY -0.3pp QoQ |
-1.4pp | 4.1% | 4.7% | 5.0% | 56% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 22.7% | 19.7% | n/a |
| Leverage Ratio |
10.3%
-0.7pp YoY -0.1pp QoQ |
-1.8pp | 12.2% | 12.6% | 12.6% | 38% |
| Total Capital Ratio | n/a | n/a | 19.9% | 23.8% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
37
+4 (+12.1%) YoY -1 (-2.6%) QoQ |
-22 | 58 | 186 | 482 | 37% |
| Assets per Employee ($) |
$13.7M
+4.3% YoY +2.6% QoQ |
+$6.2M | $7.5M | $10.1M | $8.8M | 96% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 12 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 1.0% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 18.82x | 20.23x | n/a |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 29% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
16.0%
+1.0pp YoY +0.4pp QoQ |
+3.8pp | 12.2% | 13.2% | 11.6% | 73% |
| Cost of Funds (YTD) |
1.9%
0.0pp YoY 0.0pp QoQ |
+0.2pp | 1.7% | 1.6% | 1.7% | 64% |
| Net Income ($, YTD) |
$3.5M
+25.2% YoY — QoQ |
+$973K | $2.6M | $15.9M | $40.4M | 76% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.