BlastPoint's Banking Scorecard

Citizens Bank of Eldon

$100M-$1B Specialty: Agricultural MO FDIC cert 1956

Eldon, MO

4 branches across MO

2664 banks in the $100M-$1B peer group nationally 143 in MO

Citizens Bank of Eldon demonstrates 3 strengths

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

+ Deposit Franchise: Top 46.3% in tier
+ Profitability Leader: Top 49.4% in tier
+ Efficiency Ratio 20.88% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$243.5M +4.1% YoY +0.0% QoQ	-$142.5M	$386.1M +0.5% YoY	$1.6B +6.5% YoY	$6.2B +9.1% YoY	35%
Total Loans ?	$196.1M +15.2% YoY +3.2% QoQ	-$59.6M	$255.7M +1.1% YoY	$1.0B +8.5% YoY	$3.2B +10.8% YoY	48%
Total Deposits ?	$213.2M +4.7% YoY -0.4% QoQ	-$114.8M	$328.0M +0.1% YoY	$1.3B +6.1% YoY	$4.8B +8.2% YoY	38%
Return on Assets ?	2.10% +10.1% YoY +2.8% QoQ	+0.83%	1.27% +12.9% YoY	1.43% +10.8% YoY	1.23% +13.4% YoY	Top 10.2% in tier
Net Interest Margin ?	5.08% +11.0% YoY +3.0% QoQ	+1.15%	3.93% +6.0% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	Top 6.0% in tier
Efficiency Ratio ?	44.41% -7.6% YoY -2.3% QoQ	-20.88%	65.29% -4.5% YoY	59.97% -5.2% YoY	66.95% -4.1% YoY	Top 8.2% in tier
Delinquency Rate ?	0.92% -25.4% YoY +5.7% QoQ	+0.03%	0.89% +18.8% YoY	0.83% +18.3% YoY	0.95% +18.8% YoY	30%
Loan-to-Deposit Ratio ?	91.97% +10.0% YoY +3.7% QoQ	+15.33%	76.64% +0.8% YoY	79.48% +1.6% YoY	76.70% +0.9% YoY	21%
Non-Interest-Bearing Deposit Share ?	32.09% -2.2% YoY -0.2% QoQ	+10.07%	22.02% -1.0% YoY	20.72% +0.3% YoY	22.01% -1.2% YoY	Top 13.7% in tier
Nonperforming Asset Ratio ?	0.74% -17.4% YoY +9.1% QoQ	+0.10%	0.64% +19.7% YoY	0.67% +20.5% YoY	0.67% +19.3% YoY	28%
Tier 1 Capital Ratio ?	11.24% +2.4% YoY +2.4% QoQ	-4.59%	15.83% +1.5% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	26%
Non-Interest Income / Assets ?	0.11% -6.7% YoY -77.7% QoQ	-0.17%	0.28% +9.3% YoY	0.29% +5.6% YoY	0.32% +4.1% YoY	58%

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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 (2)

Deposit Franchise

growth

#127 of 272 • Top 46.3% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 32.09%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 5.08%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank improving

Profitability Leader

growth

#330 of 666 • Top 49.4% in tier

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

Why this signature

Return on Assets: 2.10%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

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 (4 metrics)

162

Net Interest Margin

profitability

Value: 5.08%

Peer Median: 3.93%

#162 of 2664 Top 6.0% in $100M-$1B

220

Efficiency Ratio

profitability

Value: 44.41%

Peer Median: 65.29%

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

273

Return on Assets

profitability

Value: 2.10%

Peer Median: 1.27%

#273 of 2664 Top 10.2% in $100M-$1B

367

Non-Interest-Bearing Deposit Share

funding

Value: 32.09%

Peer Median: 22.02%

#367 of 2664 Top 13.7% in $100M-$1B

Top Weaknesses (1 metrics)

2117

Loan-to-Deposit Ratio

liquidity

Value: 91.97%

Peer Median: 76.64%

#2117 of 2664 Bottom 20.6% in $100M-$1B