BlastPoint's Banking Scorecard

The Citizens Bank

$100M-$1B Specialty: Agricultural AL FDIC cert 22358

Greensboro, AL

2664 banks in the $100M-$1B peer group nationally 64 in AL

The Citizens Bank has 1 strength 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

+ Efficiency Ratio 13.70% below tier average

Key Concerns

Areas that may need attention

- ROA 0.17% below tier average
- Net Interest Margin 0.97% below tier average
- Delinquency Rate 0.71% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Total Assets ?	$129.8M +4.0% YoY -0.7% QoQ	-$256.3M	$386.1M +0.5% YoY	$2.5B +0.2% YoY	$6.2B +9.1% YoY	Bottom 8.5% in tier
Total Loans ?	$38.6M +2.2% YoY -2.2% QoQ	-$217.1M	$255.7M +1.1% YoY	$1.5B +2.4% YoY	$3.2B +10.8% YoY	Bottom 1.4% in tier
Total Deposits ?	$116.9M +3.0% YoY -0.8% QoQ	-$211.1M	$328.0M +0.1% YoY	$2.1B -0.2% YoY	$4.8B +8.2% YoY	Bottom 11.0% in tier
Return on Assets ?	1.10% +11.2% YoY +12.2% QoQ	-0.17%	1.27% +12.9% YoY	0.78% -19.5% YoY	1.23% +13.4% YoY	44%
Net Interest Margin ?	2.96% +4.2% YoY +0.1% QoQ	-0.97%	3.93% +6.0% YoY	3.99% +5.2% YoY	3.89% +5.7% YoY	Bottom 10.4% in tier
Efficiency Ratio ?	51.58% -8.9% YoY -10.2% QoQ	-13.70%	65.29% -4.5% YoY	72.13% +5.1% YoY	66.95% -4.1% YoY	81%
Delinquency Rate ?	1.60% -6.7% YoY -23.3% QoQ	+0.71%	0.89% +18.8% YoY	1.09% +24.8% YoY	0.95% +18.8% YoY	17%
Loan-to-Deposit Ratio ?	33.01% -0.8% YoY -1.4% QoQ	-43.63%	76.64% +0.8% YoY	67.08% +2.0% YoY	76.70% +0.9% YoY	Top 2.2% in tier
Non-Interest-Bearing Deposit Share ?	27.16% -4.0% YoY -7.3% QoQ	+5.14%	22.02% -1.0% YoY	23.89% +0.0% YoY	22.01% -1.2% YoY	74%
Nonperforming Asset Ratio ?	0.47% -8.3% YoY -24.4% QoQ	-0.16%	0.64% +19.7% YoY	0.71% +24.8% YoY	0.67% +19.3% YoY	39%
Tier 1 Capital Ratio ?	25.45% +2.1% YoY +3.6% QoQ	+9.62%	15.83% +1.5% YoY	16.96% +13.8% YoY	17.06% +0.8% YoY	Top 6.2% in tier
Non-Interest Income / Assets ?	0.04% +15.4% YoY -71.1% QoQ	-0.24%	0.28% +9.3% YoY	0.16% -16.3% YoY	0.32% +4.1% YoY	Bottom 15.0% in tier

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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 (0)

No matched strength signatures this quarter

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 (3 metrics)

Loan-to-Deposit Ratio

liquidity

Value: 33.01%

Peer Median: 76.64%

#60 of 2664 Top 2.2% in $100M-$1B

165

Tier 1 Capital Ratio

capital

Value: 25.45%

Peer Median: 15.83%

#165 of 2664 Top 6.2% in $100M-$1B

503

Efficiency Ratio

profitability

Value: 51.58%

Peer Median: 65.29%

#503 of 2664 Top 18.8% in $100M-$1B

Top Weaknesses (6 metrics)

2629

Total Loans

size

Value: $38.57M

Peer Median: $255.72M

#2629 of 2664 Bottom 1.4% in $100M-$1B

2438

Total Assets

size

Value: $129.79M

Peer Median: $386.08M

#2438 of 2664 Bottom 8.5% in $100M-$1B

2388

Net Interest Margin

profitability

Value: 2.96%

Peer Median: 3.93%

#2388 of 2664 Bottom 10.4% in $100M-$1B

2371

Total Deposits

size

Value: $116.86M

Peer Median: $327.97M

#2371 of 2664 Bottom 11.0% in $100M-$1B

2266

Non-Interest Income / Assets

revenue_mix

Value: 0.04%

Peer Median: 0.28%

#2266 of 2664 Bottom 15.0% in $100M-$1B

2206

Delinquency Rate

credit_quality

Value: 1.60%

Peer Median: 0.89%

#2206 of 2654 Bottom 16.9% in $100M-$1B