BlastPoint's Banking Scorecard
Citizens Bank & Trust Company
Big Timber, MT
2 branches across MT
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 23 in MT.
- Deposits +8.3% year over year ($127.2M on the books).
- Delinquency rate 3.22%.
- Return on assets 1.43%.
- Efficiency ratio 51.03% vs a 64.48% peer average.
- Loan-to-deposit ratio 74.22% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Citizens Bank & Trust Company has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 16.01% above tier average
- + ROA 0.11% above tier average
- + Net Interest Margin 0.18% above tier average
- + Efficiency Ratio 13.45% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.30% above tier average
- - Nonperforming Asset Ratio 1.28% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$155.4M
+1.1% YoY
-1.9% QoQ
|
-$231.2M |
$386.6M
+1.2% YoY
|
$2.2B
+3.0% YoY
|
$6.3B
+7.7% YoY
|
16% |
| Total Loans ? |
$94.4M
+17.5% YoY
+6.4% QoQ
|
-$164.0M |
$258.3M
+1.7% YoY
|
$1.4B
+2.6% YoY
|
$3.2B
+9.4% YoY
|
16% |
| Total Deposits ? |
$127.2M
+8.3% YoY
-2.7% QoQ
|
-$199.6M |
$326.7M
+0.7% YoY
|
$1.8B
+4.6% YoY
|
$4.9B
+7.3% YoY
|
Bottom 14.5% in tier |
| Return on Assets ? |
1.43%
+0.2% YoY
+8.5% QoQ
|
+0.11% |
1.32%
+10.8% YoY
|
1.54%
-6.6% YoY
|
1.30%
+12.1% YoY
|
61% |
| Net Interest Margin ? |
4.17%
+4.6% YoY
-1.8% QoQ
|
+0.18% |
3.99%
+5.0% YoY
|
4.16%
+5.0% YoY
|
3.95%
+4.9% YoY
|
63% |
| Efficiency Ratio ? |
51.03%
-2.9% YoY
+0.9% QoQ
|
-13.45% |
64.48%
-3.2% YoY
|
60.98%
-0.5% YoY
|
70.05%
+2.5% YoY
|
81% |
| Delinquency Rate ? |
3.22%
-0.7% QoQ
|
+2.30% |
0.92%
+15.7% YoY
|
1.28%
+29.2% YoY
|
0.98%
+16.3% YoY
|
Bottom 5.6% in tier |
| Loan-to-Deposit Ratio ? |
74.22%
+8.5% YoY
+9.3% QoQ
|
-3.73% |
77.95%
+1.0% YoY
|
70.68%
-1.2% YoY
|
79.03%
+2.3% YoY
|
62% |
| Non-Interest-Bearing Deposit Share ? |
38.04%
-3.3% YoY
-3.6% QoQ
|
+16.01% |
22.03%
-0.6% YoY
|
26.03%
+1.9% YoY
|
21.98%
-0.6% YoY
|
Top 6.2% in tier |
| Nonperforming Asset Ratio ? |
1.95%
+7.6% QoQ
|
+1.28% |
0.67%
+16.4% YoY
|
0.78%
+50.1% YoY
|
0.69%
+15.8% YoY
|
Bottom 7.7% in tier |
| Tier 1 Capital Ratio ? |
14.95%
-6.9% YoY
+1.7% QoQ
|
-0.96% |
15.91%
+1.4% YoY
|
18.68%
-1.3% YoY
|
17.09%
+0.8% YoY
|
65% |
| Non-Interest Income / Assets ? |
0.16%
+1.8% YoY
+104.6% QoQ
|
-0.41% |
0.57%
+7.6% YoY
|
1.73%
+7.3% YoY
|
0.66%
+5.2% YoY
|
37% |
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 (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
38.0%
-1.3pp YoY -1.4pp QoQ |
+15.9pp | 22.1% | 26.8% | 22.2% | 94% |
| Brokered Deposits | n/a | n/a | 7.9% | 10.6% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
9.0%
+1.0pp YoY -0.2pp QoQ |
-2.6pp | 11.6% | 14.3% | 12.5% | 46% |
| CRE | n/a | n/a | 39.5% | 42.8% | 41.4% | n/a |
| 1-4 Family |
20.6%
-0.6pp YoY -1.3pp QoQ |
-12.0pp | 32.6% | 26.0% | 31.3% | 31% |
| Consumer |
3.8%
-0.6pp YoY -0.3pp QoQ |
-0.3pp | 4.1% | 2.7% | 5.0% | 68% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
14.9%
-1.1pp YoY +0.3pp QoQ |
-3.9pp | 18.8% | 22.4% | 19.7% | 48% |
| Leverage Ratio |
9.9%
+0.3pp YoY +0.6pp QoQ |
-2.2pp | 12.2% | 13.2% | 12.6% | 29% |
| Total Capital Ratio |
16.2%
-1.1pp YoY +0.3pp QoQ |
-3.7pp | 19.9% | 23.5% | 20.8% | 50% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
28
+1 (+3.7%) YoY +1 (+3.7%) QoQ |
-31 | 58 | 284 | 482 | 24% |
| Assets per Employee ($) |
$5.5M
-2.5% YoY -5.4% QoQ |
-$2.0M | $7.5M | $8.1M | $8.8M | 24% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 21 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
1.1%
+1.1pp YoY -1.6pp QoQ |
+0.8pp | 0.3% | 0.6% | 0.4% | 93% |
| Nonaccrual |
2.1%
+2.0pp YoY +1.6pp QoQ |
+1.2pp | 0.9% | 1.1% | 1.0% | 88% |
| Allowance Coverage |
0.68x
-97.0% YoY -0.5% QoQ |
-23.48x | 24.15x | 3.69x | 20.23x | 17% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.0% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.0%
-0.5pp YoY +0.9pp QoQ |
+1.8pp | 12.2% | 14.2% | 11.6% | 62% |
| Cost of Funds (YTD) |
1.1%
-0.2pp YoY 0.0pp QoQ |
-0.6pp | 1.7% | 1.5% | 1.7% | 16% |
| Net Income ($, YTD) |
$1.1M
+5.4% YoY — QoQ |
-$1.4M | $2.6M | $14.9M | $40.4M | 31% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.