BlastPoint's Banking Scorecard
The Citizens State Bank
Moundridge, KS
9 branches across KS
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 117 in KS.
- Deposits +4.9% year over year ($382.3M on the books).
- Delinquency rate 0.01%.
- Return on assets 1.69%.
- Efficiency ratio 60.26% vs a 64.48% peer average.
- Loan-to-deposit ratio 57.78% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Citizens State Bank shows strong momentum with 4 strengths and 6.2% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 38.6% in tier
- + Net Interest Margin 0.25% above tier average
- + Efficiency Ratio 4.21% below tier average
- + Delinquency Rate 0.91% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$450.6M
+6.2% YoY
-0.4% QoQ
|
+$64.1M |
$386.6M
+1.2% YoY
|
$513.9M
+7.1% YoY
|
$6.3B
+7.7% YoY
|
67% |
| Total Loans ? |
$220.9M
-4.8% YoY
+0.1% QoQ
|
-$37.4M |
$258.3M
+1.7% YoY
|
$343.7M
+7.8% YoY
|
$3.2B
+9.4% YoY
|
52% |
| Total Deposits ? |
$382.3M
+4.9% YoY
-1.1% QoQ
|
+$55.5M |
$326.7M
+0.7% YoY
|
$426.3M
+7.4% YoY
|
$4.9B
+7.3% YoY
|
67% |
| Return on Assets ? |
1.69%
+38.8% YoY
-3.6% QoQ
|
+0.37% |
1.32%
+10.8% YoY
|
1.56%
+14.6% YoY
|
1.30%
+12.1% YoY
|
75% |
| Net Interest Margin ? |
4.24%
+3.8% YoY
+3.1% QoQ
|
+0.25% |
3.99%
+5.0% YoY
|
3.99%
+4.5% YoY
|
3.95%
+4.9% YoY
|
67% |
| Efficiency Ratio ? |
60.26%
-9.1% YoY
-3.4% QoQ
|
-4.21% |
64.48%
-3.2% YoY
|
60.13%
-4.7% YoY
|
70.05%
+2.5% YoY
|
56% |
| Delinquency Rate ? |
0.01%
-95.5% YoY
-52.2% QoQ
|
-0.91% |
0.92%
+15.7% YoY
|
0.82%
+9.9% YoY
|
0.98%
+16.3% YoY
|
Top 14.3% in tier |
| Loan-to-Deposit Ratio ? |
57.78%
-9.3% YoY
+1.3% QoQ
|
-20.17% |
77.95%
+1.0% YoY
|
72.94%
+0.4% YoY
|
79.03%
+2.3% YoY
|
Top 14.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
22.50%
-2.7% YoY
-5.6% QoQ
|
+0.47% |
22.03%
-0.6% YoY
|
22.01%
-1.4% YoY
|
21.98%
-0.6% YoY
|
57% |
| Nonperforming Asset Ratio ? |
0.00%
-95.9% YoY
-52.0% QoQ
|
-0.66% |
0.67%
+16.4% YoY
|
0.53%
+8.8% YoY
|
0.69%
+15.8% YoY
|
Top 12.4% in tier |
| Tier 1 Capital Ratio ? |
14.45%
+2.2% YoY
+1.5% QoQ
|
-1.46% |
15.91%
+1.4% YoY
|
17.75%
-1.2% YoY
|
17.09%
+0.8% YoY
|
61% |
| Non-Interest Income / Assets ? |
0.23%
-10.0% YoY
+114.4% QoQ
|
-0.33% |
0.57%
+7.6% YoY
|
0.59%
-1.1% YoY
|
0.66%
+5.2% YoY
|
59% |
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 (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
22.5%
-0.6pp YoY -1.3pp QoQ |
+0.4pp | 22.1% | 22.3% | 22.2% | 56% |
| Brokered Deposits | n/a | n/a | 7.9% | 8.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
5.4%
+0.6pp YoY 0.0pp QoQ |
-6.1pp | 11.6% | 12.6% | 12.5% | 22% |
| CRE |
11.7%
-2.8pp YoY -1.1pp QoQ |
-27.8pp | 39.5% | 28.8% | 41.4% | 6% |
| 1-4 Family |
15.0%
+2.9pp YoY +0.3pp QoQ |
-17.6pp | 32.6% | 26.7% | 31.3% | 19% |
| Consumer |
1.1%
-0.3pp YoY -0.1pp QoQ |
-3.0pp | 4.1% | 4.6% | 5.0% | 30% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 23.3% | 19.7% | n/a |
| Leverage Ratio |
14.4%
+0.3pp YoY +0.2pp QoQ |
+2.3pp | 12.2% | 12.6% | 12.6% | 84% |
| Total Capital Ratio | n/a | n/a | 19.9% | 24.4% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
87
-6 (-6.5%) YoY +2 (+2.4%) QoQ |
+28 | 58 | 70 | 482 | 81% |
| Assets per Employee ($) |
$5.2M
+13.6% YoY -2.7% QoQ |
-$2.3M | $7.5M | $7.1M | $8.8M | 17% |
| Branch Count |
9
0 YoY 0 QoQ |
+4 | 4 | 6 | 18 | 86% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.0%
-0.2pp YoY 0.0pp QoQ |
-0.9pp | 0.9% | 0.8% | 1.0% | 3% |
| Allowance Coverage |
155.14x
+2215.9% YoY +109.1% QoQ |
+130.98x | 24.15x | 22.44x | 20.23x | 98% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 30% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.2%
+2.6pp YoY -0.6pp QoQ |
+1.0pp | 12.2% | 14.3% | 11.6% | 57% |
| Cost of Funds (YTD) |
0.7%
0.0pp YoY 0.0pp QoQ |
-1.0pp | 1.7% | 1.6% | 1.7% | 4% |
| Net Income ($, YTD) |
$3.8M
+43.3% YoY — QoQ |
+$1.2M | $2.6M | $3.7M | $40.4M | 78% |
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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)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.