BlastPoint's Banking Scorecard

Citizens Bank

$100M-$1B Specialty: Agricultural OR FDIC cert 17809

Corvallis, OR

14 branches across OR

2664 banks in the $100M-$1B peer group nationally 11 in OR

Citizens Bank has 2 strengths but faces 5 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

+ Credit Quality Leader: Top 19.6% in tier
+ Non-Interest-Bearing Deposit Share 26.61% above tier average

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 11.7% in tier
- Deposit Outflow: Bottom 24.7% in tier
- Return on Assets 0.97% below tier average
- Efficiency Ratio 24.00% above tier average
- Net Interest Margin 0.43% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OR)	National Avg	Tier Percentile
Total Assets ?	$810.4M +1.5% YoY -2.6% QoQ	+$424.4M	$386.1M +0.5% YoY	$5.7B +33.4% YoY	$6.2B +9.1% YoY	Top 7.7% in tier
Total Loans ?	$361.6M -1.5% YoY +0.9% QoQ	+$105.8M	$255.7M +1.1% YoY	$4.1B +32.8% YoY	$3.2B +10.8% YoY	76%
Total Deposits ?	$686.2M -0.9% YoY -2.8% QoQ	+$358.2M	$328.0M +0.1% YoY	$4.7B +32.1% YoY	$4.8B +8.2% YoY	Top 7.8% in tier
Return on Assets ?	0.30% +14.2% YoY -1.7% QoQ	-0.97%	1.27% +12.9% YoY	1.04% +38.9% YoY	1.23% +13.4% YoY	Bottom 8.0% in tier
Net Interest Margin ?	3.50% -4.3% YoY -2.4% QoQ	-0.43%	3.93% +6.0% YoY	4.00% +9.5% YoY	3.89% +5.7% YoY	30%
Efficiency Ratio ?	89.29% -1.9% YoY -0.4% QoQ	+24.00%	65.29% -4.5% YoY	68.69% -8.8% YoY	66.95% -4.1% YoY	Bottom 7.2% in tier
Delinquency Rate ?	0.05% -29.7% YoY -81.1% QoQ	-0.84%	0.89% +18.8% YoY	0.86% +80.8% YoY	0.95% +18.8% YoY	80%
Loan-to-Deposit Ratio ?	52.69% -0.6% YoY +3.8% QoQ	-23.95%	76.64% +0.8% YoY	77.62% +0.2% YoY	76.70% +0.9% YoY	Top 11.6% in tier
Non-Interest-Bearing Deposit Share ?	48.63% -4.8% YoY -2.2% QoQ	+26.61%	22.02% -1.0% YoY	23.66% -0.4% YoY	22.01% -1.2% YoY	Top 1.8% in tier
Nonperforming Asset Ratio ?	0.02% -31.7% YoY -80.5% QoQ	-0.62%	0.64% +19.7% YoY	0.62% +95.5% YoY	0.67% +19.3% YoY	83%
Tier 1 Capital Ratio ?	23.11% +4.0% YoY +2.2% QoQ	+7.28%	15.83% +1.5% YoY	15.70% +2.5% YoY	17.06% +0.8% YoY	Top 8.2% in tier
Non-Interest Income / Assets ?	0.08% -0.2% YoY -74.7% QoQ	-0.20%	0.28% +9.3% YoY	0.15% -3.7% YoY	0.32% +4.1% YoY	38%

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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 (1)

Credit Quality Leader

growth

#131 of 664 • Top 19.6% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.05%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ

Concerns (2)

Flatlined Growth

risk

#61 of 512 • Bottom 11.7% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.30%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 banks QoQ

Deposit Outflow

decline

#126 of 506 • Bottom 24.7% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ

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 2664 peers in $100M-$1B

Top Strengths (8 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 48.63%

Peer Median: 22.02%

#49 of 2664 Top 1.8% in $100M-$1B

207

Total Assets

size

Value: $810.45M

Peer Median: $386.08M

#207 of 2664 Top 7.7% in $100M-$1B

210

Total Deposits

size

Value: $686.16M

Peer Median: $327.97M

#210 of 2664 Top 7.8% in $100M-$1B

219

Tier 1 Capital Ratio

capital

Value: 23.11%

Peer Median: 15.83%

#219 of 2664 Top 8.2% in $100M-$1B

311

Loan-to-Deposit Ratio

liquidity

Value: 52.69%

Peer Median: 76.64%

#311 of 2664 Top 11.6% in $100M-$1B

453

Nonperforming Asset Ratio

credit_quality

Value: 0.02%

Peer Median: 0.64%

#453 of 2664 Top 17.0% in $100M-$1B

542

Delinquency Rate

credit_quality

Value: 0.05%

Peer Median: 0.89%

#542 of 2654 Top 20.4% in $100M-$1B

648

Total Loans

size

Value: $361.56M

Peer Median: $255.72M

#648 of 2664 Top 24.3% in $100M-$1B

Top Weaknesses (2 metrics)

2472

Efficiency Ratio

profitability

Value: 89.29%

Peer Median: 65.29%

#2472 of 2664 Bottom 7.2% in $100M-$1B

2451

Return on Assets

profitability

Value: 0.30%

Peer Median: 1.27%

#2451 of 2664 Bottom 8.0% in $100M-$1B