BlastPoint

BlastPoint's Banking Scorecard

Citizens' Bank of Charleston

$100M-$1B Specialty: Agricultural MO FDIC cert 17830

Charleston, MO

2 branches across MO

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 140 in MO.
  • Deposits +5.4% year over year ($146.6M on the books).
  • Delinquency rate 0.84%.
  • Return on assets 2.47%.
  • Efficiency ratio 37.94% vs a 64.48% peer average.
  • Loan-to-deposit ratio 101.50% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 140 in MO
View $100M-$1B leaderboard (MO) →

Citizens' Bank of Charleston has 4 strengths but faces 3 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

  • + Profitability Leader: Top 14.1% in tier
  • + Net Interest Margin 0.99% above tier average
  • + Efficiency Ratio 26.54% below tier average
  • + Delinquency Rate 0.08% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 13.8% in tier
  • - Credit Risk Growth: Bottom 38.2% in tier
  • - Credit Quality Pressure: Bottom 47.0% in tier
Get updates when Citizens' Bank of Charleston releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Total Assets ? $185.1M
+5.5% YoY +0.1% QoQ
-$201.4M $386.6M
+1.2% YoY
$1.6B
+6.4% YoY
$6.3B
+7.7% YoY
23%
Total Loans ? $148.8M
+7.2% YoY +6.6% QoQ
-$109.5M $258.3M
+1.7% YoY
$1.0B
+10.0% YoY
$3.2B
+9.4% YoY
34%
Total Deposits ? $146.6M
+5.4% YoY -0.6% QoQ
-$180.1M $326.7M
+0.7% YoY
$1.3B
+6.1% YoY
$4.9B
+7.3% YoY
21%
Return on Assets ? 2.47%
+18.6% YoY +4.7% QoQ
+1.15% 1.32%
+10.8% YoY
1.46%
+5.9% YoY
1.30%
+12.1% YoY
Top 5.0% in tier
Net Interest Margin ? 4.98%
+6.0% YoY +3.2% QoQ
+0.99% 3.99%
+5.0% YoY
4.55%
+0.7% YoY
3.95%
+4.9% YoY
Top 8.3% in tier
Efficiency Ratio ? 37.94%
-15.0% YoY -3.9% QoQ
-26.54% 64.48%
-3.2% YoY
59.57%
-3.2% YoY
70.05%
+2.5% YoY
Top 2.6% in tier
Delinquency Rate ? 0.84%
+36.9% YoY -19.4% QoQ
-0.08% 0.92%
+15.7% YoY
0.82%
+12.6% YoY
0.98%
+16.3% YoY
33%
Loan-to-Deposit Ratio ? 101.50%
+1.7% YoY +7.2% QoQ
+23.55% 77.95%
+1.0% YoY
80.82%
+1.6% YoY
79.03%
+2.3% YoY
Bottom 8.3% in tier
Non-Interest-Bearing Deposit Share ? 15.28%
+3.4% YoY -3.8% QoQ
-6.75% 22.03%
-0.6% YoY
20.71%
-0.5% YoY
21.98%
-0.6% YoY
26%
Nonperforming Asset Ratio ? 0.68%
+39.1% YoY -14.2% QoQ
+0.01% 0.67%
+16.4% YoY
0.67%
+14.9% YoY
0.69%
+15.8% YoY
31%
Tier 1 Capital Ratio ? 20.51%
+1.4% YoY +5.4% QoQ
+4.60% 15.91%
+1.4% YoY
15.38%
-1.1% YoY
17.09%
+0.8% YoY
Top 12.6% in tier
Non-Interest Income / Assets ? 0.22%
+0.9% YoY +87.2% QoQ
-0.34% 0.57%
+7.6% YoY
0.58%
+5.8% YoY
0.66%
+5.2% YoY
57%

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 (MO) National Avg Tier Percentile
Noninterest-Bearing 15.3%
+0.5pp YoY
-0.6pp QoQ
 -6.9pp 22.1% 20.9% 22.2% 25%
Brokered Deposits n/a n/a 7.9% 7.4% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
C&I 17.7%
+3.1pp YoY
-0.7pp QoQ
 +6.1pp 11.6% 12.3% 12.5% 84%
CRE 8.3%
-0.3pp YoY
-0.6pp QoQ
 -31.3pp 39.5% 36.8% 41.4% 3%
1-4 Family 13.0%
+0.7pp YoY
-0.7pp QoQ
 -19.6pp 32.6% 31.9% 31.3% 16%
Consumer 13.4%
-0.2pp YoY
-0.5pp QoQ
 +9.3pp 4.1% 4.1% 5.0% 95%

Capital

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 18.5% 19.7% n/a
Leverage Ratio 20.5%
+0.3pp YoY
+1.0pp QoQ
 +8.3pp 12.2% 11.6% 12.6% 96%
Total Capital Ratio n/a n/a 19.9% 19.6% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Full-Time Employees 22
-1 (-4.3%) YoY
0 QoQ
 -37 58 162 482 14%
Assets per Employee ($) $8.4M
+10.3% YoY
+0.1% QoQ
 +$897K $7.5M $8.0M $8.8M 73%
Branch Count 2
0 YoY
0 QoQ
 -3 4 10 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual 0.8%
+0.2pp YoY
-0.2pp QoQ
 -0.1pp 0.9% 0.8% 1.0% 67%
Allowance Coverage 1.42x
-23.0% YoY
+13.0% QoQ
 -22.73x 24.15x 10.47x 20.23x 38%
Net Charge-off Rate (YTD) 0.1%
0.0pp YoY
+0.1pp QoQ
 -0.1pp 0.1% 0.3% 0.2% 74%

Profitability

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
ROE 12.6%
+1.7pp YoY
+0.3pp QoQ
 +0.4pp 12.2% 14.3% 11.6% 53%
Cost of Funds (YTD) 1.6%
-0.1pp YoY
0.0pp QoQ
 -0.1pp 1.7% 1.8% 1.7% 41%
Net Income ($, YTD) $2.3M
+22.4% YoY
— QoQ
 -$255K $2.6M $11.3M $40.4M 58%

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)

Profitability Leader

growth
#94 of 661 • Top 14.1% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.47%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (3)

Liquidity Overhang

risk
#103 of 742 • Bottom 13.8% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 20.51%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 101.50%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

Credit Risk Growth

risk
#359 of 936 • Bottom 38.2% in tier

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

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk
#591 of 1256 • Bottom 47.0% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.84%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

69
Efficiency Ratio
profitability
Value: 37.94%
Peer Median: 64.48%
#69 of 2643 Top 2.6% in $100M-$1B
132
Return on Assets
profitability
Value: 2.47%
Peer Median: 1.32%
#132 of 2643 Top 5.0% in $100M-$1B
221
Net Interest Margin
profitability
Value: 4.98%
Peer Median: 3.99%
#221 of 2643 Top 8.3% in $100M-$1B
334
Tier 1 Capital Ratio
capital
Value: 20.51%
Peer Median: 15.91%
#334 of 2643 Top 12.6% in $100M-$1B

Top Weaknesses (3 metrics)

2425
Loan-to-Deposit Ratio
liquidity
Value: 101.50%
Peer Median: 77.95%
#2425 of 2643 Bottom 8.3% in $100M-$1B
2100
Total Deposits
size
Value: $146.63M
Peer Median: $326.73M
#2100 of 2643 Bottom 20.6% in $100M-$1B
2047
Total Assets
size
Value: $185.14M
Peer Median: $386.57M
#2047 of 2643 Bottom 22.6% in $100M-$1B
Powered by BlastPoint © 2026