BlastPoint's Banking Scorecard
Citizens' Bank of Charleston
Charleston, MO
2 branches across MO
Citizens' Bank of Charleston has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 26.9% in tier
- + Efficiency Ratio 25.79% below tier average
- + Net Interest Margin 0.90% above tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 20.0% in tier
- - Delinquency Rate 0.16% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$185.0M
+2.8% YoY
-2.0% QoQ
|
-$201.1M |
$386.1M
+0.5% YoY
|
$1.6B
+6.5% YoY
|
$6.2B
+9.1% YoY
|
23% |
| Total Loans ? |
$139.6M
+14.3% YoY
+1.6% QoQ
|
-$116.2M |
$255.7M
+1.1% YoY
|
$1.0B
+8.5% YoY
|
$3.2B
+10.8% YoY
|
32% |
| Total Deposits ? |
$147.5M
+2.1% YoY
-3.1% QoQ
|
-$180.5M |
$328.0M
+0.1% YoY
|
$1.3B
+6.1% YoY
|
$4.8B
+8.2% YoY
|
21% |
| Return on Assets ? |
2.36%
+13.5% YoY
+19.9% QoQ
|
+1.09% |
1.27%
+12.9% YoY
|
1.43%
+10.8% YoY
|
1.23%
+13.4% YoY
|
Top 6.2% in tier |
| Net Interest Margin ? |
4.83%
+6.3% YoY
-1.0% QoQ
|
+0.90% |
3.93%
+6.0% YoY
|
4.51%
+2.1% YoY
|
3.89%
+5.7% YoY
|
Top 10.4% in tier |
| Efficiency Ratio ? |
39.49%
-9.0% YoY
-16.6% QoQ
|
-25.79% |
65.29%
-4.5% YoY
|
59.97%
-5.2% YoY
|
66.95%
-4.1% YoY
|
Top 3.6% in tier |
| Delinquency Rate ? |
1.04%
+53.0% YoY
+13.1% QoQ
|
+0.16% |
0.89%
+18.8% YoY
|
0.83%
+18.3% YoY
|
0.95%
+18.8% YoY
|
27% |
| Loan-to-Deposit Ratio ? |
94.65%
+11.9% YoY
+4.9% QoQ
|
+18.01% |
76.64%
+0.8% YoY
|
79.48%
+1.6% YoY
|
76.70%
+0.9% YoY
|
16% |
| Non-Interest-Bearing Deposit Share ? |
15.89%
+1.6% YoY
-5.4% QoQ
|
-6.13% |
22.02%
-1.0% YoY
|
20.72%
+0.3% YoY
|
22.01%
-1.2% YoY
|
27% |
| Nonperforming Asset Ratio ? |
0.79%
+70.2% YoY
+17.3% QoQ
|
+0.15% |
0.64%
+19.7% YoY
|
0.67%
+20.5% YoY
|
0.67%
+19.3% YoY
|
26% |
| Tier 1 Capital Ratio ? |
19.46%
+2.1% YoY
+1.3% QoQ
|
+3.63% |
15.83%
+1.5% YoY
|
15.44%
-0.4% YoY
|
17.06%
+0.8% YoY
|
Top 14.7% in tier |
| Non-Interest Income / Assets ? |
0.12%
+4.4% YoY
-76.5% QoQ
|
-0.16% |
0.28%
+9.3% YoY
|
0.29%
+5.6% YoY
|
0.32%
+4.1% YoY
|
63% |
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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 (1)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.