BlastPoint's Banking Scorecard
Citizens Bank & Trust Company
Big Timber, MT
2 branches across MT
Citizens Bank & Trust Company has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 17.44% above tier average
- + Net Interest Margin 0.31% above tier average
- + Efficiency Ratio 14.70% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.35% above tier average
- - Nonperforming Asset Ratio 1.18% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$158.3M
+6.8% YoY
-2.8% QoQ
|
-$227.7M |
$386.1M
+0.5% YoY
|
$2.2B
+7.4% YoY
|
$6.2B
+9.1% YoY
|
17% |
| Total Loans ? |
$88.7M
+16.9% YoY
+3.1% QoQ
|
-$167.0M |
$255.7M
+1.1% YoY
|
$1.4B
+7.1% YoY
|
$3.2B
+10.8% YoY
|
15% |
| Total Deposits ? |
$130.7M
+10.7% YoY
+1.1% QoQ
|
-$197.3M |
$328.0M
+0.1% YoY
|
$1.8B
+10.6% YoY
|
$4.8B
+8.2% YoY
|
15% |
| Return on Assets ? |
1.32%
-6.6% YoY
+12.7% QoQ
|
+0.05% |
1.27%
+12.9% YoY
|
1.68%
+0.0% YoY
|
1.23%
+13.4% YoY
|
57% |
| Net Interest Margin ? |
4.24%
+9.5% YoY
+2.4% QoQ
|
+0.31% |
3.93%
+6.0% YoY
|
4.10%
+5.6% YoY
|
3.89%
+5.7% YoY
|
70% |
| Efficiency Ratio ? |
50.59%
-10.6% YoY
-12.7% QoQ
|
-14.70% |
65.29%
-4.5% YoY
|
58.72%
-5.9% YoY
|
66.95%
-4.1% YoY
|
83% |
| Delinquency Rate ? |
3.24%
+32.6% QoQ
|
+2.35% |
0.89%
+18.8% YoY
|
1.39%
+43.4% YoY
|
0.95%
+18.8% YoY
|
Bottom 5.3% in tier |
| Loan-to-Deposit Ratio ? |
67.90%
+5.6% YoY
+2.0% QoQ
|
-8.74% |
76.64%
+0.8% YoY
|
68.91%
-1.7% YoY
|
76.70%
+0.9% YoY
|
70% |
| Non-Interest-Bearing Deposit Share ? |
39.46%
-1.2% YoY
-1.0% QoQ
|
+17.44% |
22.02%
-1.0% YoY
|
25.97%
-2.2% YoY
|
22.01%
-1.2% YoY
|
Top 5.2% in tier |
| Nonperforming Asset Ratio ? |
1.82%
+40.8% QoQ
|
+1.18% |
0.64%
+19.7% YoY
|
0.81%
+60.9% YoY
|
0.67%
+19.3% YoY
|
Bottom 8.2% in tier |
| Tier 1 Capital Ratio ? |
14.69%
-7.4% YoY
-8.8% QoQ
|
-1.14% |
15.83%
+1.5% YoY
|
19.61%
+1.4% YoY
|
17.06%
+0.8% YoY
|
63% |
| Non-Interest Income / Assets ? |
0.08%
+2.9% YoY
-75.9% QoQ
|
-0.20% |
0.28%
+9.3% YoY
|
0.88%
+6.9% YoY
|
0.32%
+4.1% YoY
|
37% |
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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.
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Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.