BlastPoint's Banking Scorecard
The Citizens State Bank
Moundridge, KS
9 branches across KS
The Citizens State Bank demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 39.8% in tier
- + Net Interest Margin 0.18% above tier average
- + Efficiency Ratio 2.88% below tier average
- + Delinquency Rate 0.87% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$452.7M
+3.3% YoY
+3.8% QoQ
|
+$66.6M |
$386.1M
+0.5% YoY
|
$511.5M
+7.3% YoY
|
$6.2B
+9.0% YoY
|
67% |
| Total Loans ? |
$220.6M
-4.2% YoY
-0.8% QoQ
|
-$35.1M |
$255.7M
+1.1% YoY
|
$340.0M
+8.8% YoY
|
$3.2B
+10.7% YoY
|
53% |
| Total Deposits ? |
$386.6M
+1.7% YoY
+4.6% QoQ
|
+$58.7M |
$328.0M
+0.0% YoY
|
$426.3M
+7.3% YoY
|
$4.8B
+8.0% YoY
|
68% |
| Return on Assets ? |
1.75%
+40.3% YoY
+21.8% QoQ
|
+0.48% |
1.27%
+12.8% YoY
|
1.43%
+17.3% YoY
|
1.24%
+13.1% YoY
|
80% |
| Net Interest Margin ? |
4.11%
+0.3% YoY
-0.3% QoQ
|
+0.18% |
3.93%
+6.0% YoY
|
3.93%
+4.6% YoY
|
3.89%
+5.7% YoY
|
64% |
| Efficiency Ratio ? |
62.40%
-5.2% YoY
-0.2% QoQ
|
-2.88% |
65.29%
-4.4% YoY
|
61.28%
-4.6% YoY
|
66.84%
-3.8% YoY
|
52% |
| Delinquency Rate ? |
0.02%
-87.5% YoY
-88.9% QoQ
|
-0.87% |
0.89%
+18.9% YoY
|
0.75%
+8.4% YoY
|
0.95%
+18.8% YoY
|
84% |
| Loan-to-Deposit Ratio ? |
57.06%
-5.8% YoY
-5.1% QoQ
|
-19.57% |
76.64%
+0.8% YoY
|
71.71%
+1.1% YoY
|
76.69%
+0.9% YoY
|
84% |
| Non-Interest-Bearing Deposit Share ? |
23.84%
+3.5% YoY
-2.0% QoQ
|
+1.83% |
22.02%
-0.9% YoY
|
22.79%
-1.9% YoY
|
22.01%
-1.1% YoY
|
62% |
| Nonperforming Asset Ratio ? |
0.01%
-88.4% YoY
-89.3% QoQ
|
-0.63% |
0.64%
+19.7% YoY
|
0.49%
+9.8% YoY
|
0.66%
+19.3% YoY
|
Top 13.9% in tier |
| Tier 1 Capital Ratio ? |
14.24%
+2.8% YoY
+1.4% QoQ
|
-1.59% |
15.83%
+1.5% YoY
|
18.00%
-0.6% YoY
|
17.06%
+0.8% YoY
|
59% |
| Non-Interest Income / Assets ? |
0.11%
-11.3% YoY
-79.6% QoQ
|
-0.17% |
0.28%
+9.3% YoY
|
0.28%
-2.0% YoY
|
0.32%
+4.0% YoY
|
57% |
Get Full Access to The Citizens State Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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.