BlastPoint's Banking Scorecard
Citizens State Bank
Sheldon, IA
2 branches across IA
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 167 in IA.
- Deposits +0.2% year over year ($166.1M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.74%.
- Efficiency ratio 46.84% vs a 64.48% peer average.
- Loan-to-deposit ratio 78.30% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Citizens State Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 40.5% in tier
- + Delinquency Rate 0.92% below tier average
- + Nonperforming Asset Ratio 0.67% below tier average
- + Efficiency Ratio 17.64% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.43% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$194.7M
+3.3% YoY
-1.3% QoQ
|
-$191.9M |
$386.6M
+1.2% YoY
|
$566.2M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
25% |
| Total Loans ? |
$130.1M
+7.2% YoY
+1.7% QoQ
|
-$128.3M |
$258.3M
+1.7% YoY
|
$385.0M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
28% |
| Total Deposits ? |
$166.1M
+0.2% YoY
-3.8% QoQ
|
-$160.6M |
$326.7M
+0.7% YoY
|
$472.4M
+6.3% YoY
|
$4.9B
+7.3% YoY
|
26% |
| Return on Assets ? |
1.74%
+32.6% YoY
-0.1% QoQ
|
+0.42% |
1.32%
+10.8% YoY
|
1.58%
+39.1% YoY
|
1.30%
+12.1% YoY
|
78% |
| Net Interest Margin ? |
3.55%
+14.9% YoY
+3.6% QoQ
|
-0.43% |
3.99%
+5.0% YoY
|
3.58%
+9.0% YoY
|
3.95%
+4.9% YoY
|
30% |
| Efficiency Ratio ? |
46.84%
-17.0% YoY
-2.7% QoQ
|
-17.64% |
64.48%
-3.2% YoY
|
57.74%
-6.0% YoY
|
70.05%
+2.5% YoY
|
Top 11.5% in tier |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.92% |
0.92%
+15.7% YoY
|
0.99%
+12.8% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
78.30%
+7.0% YoY
+5.7% QoQ
|
+0.35% |
77.95%
+1.0% YoY
|
80.39%
+2.7% YoY
|
79.03%
+2.3% YoY
|
53% |
| Non-Interest-Bearing Deposit Share ? |
22.67%
-0.4% YoY
-0.8% QoQ
|
+0.64% |
22.03%
-0.6% YoY
|
17.72%
+0.8% YoY
|
21.98%
-0.6% YoY
|
58% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.67% |
0.67%
+16.4% YoY
|
0.63%
+7.9% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
12.45%
+6.3% YoY
+3.8% QoQ
|
-3.46% |
15.91%
+1.4% YoY
|
14.69%
+3.0% YoY
|
17.09%
+0.8% YoY
|
41% |
| Non-Interest Income / Assets ? |
0.14%
+12.4% YoY
+95.4% QoQ
|
-0.43% |
0.57%
+7.6% YoY
|
0.24%
+5.5% YoY
|
0.66%
+5.2% YoY
|
31% |
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 (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
22.7%
-0.1pp YoY -0.2pp QoQ |
+0.5pp | 22.1% | 17.8% | 22.2% | 57% |
| Brokered Deposits | n/a | n/a | 7.9% | 6.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
8.4%
-1.4pp YoY -1.0pp QoQ |
-3.2pp | 11.6% | 12.8% | 12.5% | 43% |
| CRE |
9.1%
+0.9pp YoY +0.4pp QoQ |
-30.4pp | 39.5% | 28.3% | 41.4% | 4% |
| 1-4 Family |
29.3%
+3.4pp YoY +0.1pp QoQ |
-3.3pp | 32.6% | 23.0% | 31.3% | 50% |
| Consumer |
4.8%
-0.3pp YoY +0.1pp QoQ |
+0.7pp | 4.1% | 2.9% | 5.0% | 76% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 15.4% | 19.7% | n/a |
| Leverage Ratio |
12.5%
+0.7pp YoY +0.5pp QoQ |
+0.3pp | 12.2% | 12.4% | 12.6% | 69% |
| Total Capital Ratio | n/a | n/a | 19.9% | 16.5% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
19
-2 (-9.5%) YoY -1 (-5.0%) QoQ |
-40 | 58 | 64 | 482 | 9% |
| Assets per Employee ($) |
$10.2M
+14.2% YoY +3.9% QoQ |
+$2.7M | $7.5M | $8.9M | $8.8M | 87% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 5 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 1.0% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 18.97x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.3%
+2.8pp YoY -0.3pp QoQ |
+2.1pp | 12.2% | 12.8% | 11.6% | 64% |
| Cost of Funds (YTD) |
1.5%
-0.2pp YoY 0.0pp QoQ |
-0.2pp | 1.7% | 1.8% | 1.7% | 38% |
| Net Income ($, YTD) |
$1.7M
+40.4% YoY — QoQ |
-$844K | $2.6M | $4.0M | $40.4M | 46% |
Get Full Access to 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.