BlastPoint's Banking Scorecard

Citizens Bank of Ada

$100M-$1B Specialty: Other OK FDIC cert 19679

Ada, OK

3 branches across OK

2664 banks in the $100M-$1B peer group nationally 107 in OK

Citizens Bank of Ada 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

+ Credit Quality Leader: Top 25.8% in tier
+ ROA 0.43% above tier average
+ Net Interest Margin 0.42% above tier average
+ Efficiency Ratio 1.30% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 0.4% in tier
- Credit Risk Growth: Bottom 14.4% in tier
- Capital Thin: Bottom 26.6% in tier

Get updates when Citizens Bank of Ada releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Total Assets ?	$339.4M +4.2% YoY -1.1% QoQ	-$46.6M	$386.1M +0.5% YoY	$1.2B +6.7% YoY	$6.2B +9.1% YoY	53%
Total Loans ?	$182.3M +5.9% YoY +1.7% QoQ	-$73.4M	$255.7M +1.1% YoY	$822.6M +7.2% YoY	$3.2B +10.8% YoY	45%
Total Deposits ?	$295.8M +5.4% YoY -1.7% QoQ	-$32.2M	$328.0M +0.1% YoY	$956.7M +4.7% YoY	$4.8B +8.2% YoY	54%
Return on Assets ?	1.70% -2.5% YoY -11.4% QoQ	+0.43%	1.27% +12.9% YoY	1.34% +7.6% YoY	1.23% +13.4% YoY	78%
Net Interest Margin ?	4.35% -0.8% YoY -2.3% QoQ	+0.42%	3.93% +6.0% YoY	4.25% +2.4% YoY	3.89% +5.7% YoY	76%
Efficiency Ratio ?	63.99% +0.9% YoY +5.7% QoQ	-1.30%	65.29% -4.5% YoY	65.16% -1.8% YoY	66.95% -4.1% YoY	48%
Delinquency Rate ?	0.00% -1.7% QoQ	-0.88%	0.89% +18.8% YoY	1.61% +16.3% YoY	0.95% +18.8% YoY	Top 12.3% in tier
Loan-to-Deposit Ratio ?	61.63% +0.5% YoY +3.5% QoQ	-15.01%	76.64% +0.8% YoY	73.83% +1.6% YoY	76.70% +0.9% YoY	79%
Non-Interest-Bearing Deposit Share ?	27.60% -9.0% YoY -1.4% QoQ	+5.58%	22.02% -1.0% YoY	23.68% -1.7% YoY	22.01% -1.2% YoY	75%
Nonperforming Asset Ratio ?	0.00% +1.1% QoQ	-0.64%	0.64% +19.7% YoY	1.12% +15.3% YoY	0.67% +19.3% YoY	Top 11.4% in tier
Tier 1 Capital Ratio ?	9.42% -43.6% YoY -46.4% QoQ	-6.41%	15.83% +1.5% YoY	14.36% -1.8% YoY	17.06% +0.8% YoY	Bottom 3.7% in tier
Non-Interest Income / Assets ?	0.17% -20.2% YoY -79.1% QoQ	-0.11%	0.28% +9.3% YoY	0.15% -5.6% YoY	0.32% +4.1% YoY	78%

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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 (1)

Credit Quality Leader

growth

#172 of 664 • Top 25.8% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (3)

Credit Quality Pressure

risk

#6 of 1308 • Bottom 0.4% in tier

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

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Credit Risk Growth

risk

#141 of 973 • Bottom 14.4% in tier

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

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank declining

Capital Thin

risk

#178 of 666 • Bottom 26.6% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 9.42%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

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 (7 metrics)

305

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#305 of 2664 Top 11.4% in $100M-$1B

327

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#327 of 2654 Top 12.3% in $100M-$1B

551

Loan-to-Deposit Ratio

liquidity

Value: 61.63%

Peer Median: 76.64%

#551 of 2664 Top 20.6% in $100M-$1B

577

Non-Interest Income / Assets

revenue_mix

Value: 0.17%

Peer Median: 0.28%

#577 of 2664 Top 21.6% in $100M-$1B

600

Return on Assets

profitability

Value: 1.70%

Peer Median: 1.27%

#600 of 2664 Top 22.5% in $100M-$1B

652

Net Interest Margin

profitability

Value: 4.35%

Peer Median: 3.93%

#652 of 2664 Top 24.4% in $100M-$1B

664

Non-Interest-Bearing Deposit Share

funding

Value: 27.60%

Peer Median: 22.02%

#664 of 2664 Top 24.9% in $100M-$1B

Top Weaknesses (1 metrics)

2567

Tier 1 Capital Ratio

capital

Value: 9.42%

Peer Median: 15.83%

#2567 of 2664 Bottom 3.7% in $100M-$1B