BlastPoint's Banking Scorecard
Citizens Bank & Trust Co. of Jackson
Jackson, KY
3 branches across KY
Citizens Bank & Trust Co. of Jackson has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.52% above tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 24.6% in tier
- - Delinquency Rate 2.07% above tier average
- - Nonperforming Asset Ratio 1.99% above tier average
- - Efficiency Ratio 12.32% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$216.4M
+3.0% YoY
+1.5% QoQ
|
-$169.7M |
$386.1M
+0.5% YoY
|
$702.0M
+4.4% YoY
|
$6.2B
+9.1% YoY
|
30% |
| Total Loans ? |
$160.8M
+3.4% YoY
+3.6% QoQ
|
-$94.9M |
$255.7M
+1.1% YoY
|
$492.7M
+5.5% YoY
|
$3.2B
+10.8% YoY
|
39% |
| Total Deposits ? |
$190.7M
+2.7% YoY
+0.8% QoQ
|
-$137.2M |
$328.0M
+0.1% YoY
|
$590.5M
+4.1% YoY
|
$4.8B
+8.2% YoY
|
32% |
| Return on Assets ? |
1.04%
-15.4% YoY
-40.7% QoQ
|
-0.23% |
1.27%
+12.9% YoY
|
1.25%
+16.2% YoY
|
1.23%
+13.4% YoY
|
40% |
| Net Interest Margin ? |
4.45%
-1.7% YoY
-3.7% QoQ
|
+0.52% |
3.93%
+6.0% YoY
|
3.88%
+7.4% YoY
|
3.89%
+5.7% YoY
|
80% |
| Efficiency Ratio ? |
77.61%
+4.2% YoY
+16.8% QoQ
|
+12.32% |
65.29%
-4.5% YoY
|
64.22%
-6.1% YoY
|
66.95%
-4.1% YoY
|
19% |
| Delinquency Rate ? |
2.95%
+321.3% YoY
+18.1% QoQ
|
+2.07% |
0.89%
+18.8% YoY
|
0.89%
+17.0% YoY
|
0.95%
+18.8% YoY
|
Bottom 6.3% in tier |
| Loan-to-Deposit Ratio ? |
84.31%
+0.7% YoY
+2.8% QoQ
|
+7.67% |
76.64%
+0.8% YoY
|
80.71%
+1.5% YoY
|
76.70%
+0.9% YoY
|
37% |
| Non-Interest-Bearing Deposit Share ? |
17.87%
-9.3% YoY
-4.1% QoQ
|
-4.15% |
22.02%
-1.0% YoY
|
23.47%
-1.8% YoY
|
22.01%
-1.2% YoY
|
36% |
| Nonperforming Asset Ratio ? |
2.63%
+85.1% YoY
+16.5% QoQ
|
+1.99% |
0.64%
+19.7% YoY
|
0.61%
+22.3% YoY
|
0.67%
+19.3% YoY
|
Bottom 4.0% in tier |
| Tier 1 Capital Ratio ? |
13.71%
+1.7% YoY
-7.2% QoQ
|
-2.12% |
15.83%
+1.5% YoY
|
14.97%
-0.1% YoY
|
17.06%
+0.8% YoY
|
54% |
| Non-Interest Income / Assets ? |
0.19%
-11.9% YoY
-83.2% QoQ
|
-0.09% |
0.28%
+9.3% YoY
|
0.16%
+4.4% YoY
|
0.32%
+4.1% YoY
|
85% |
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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 (0)
Concerns (1)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.