BlastPoint's Banking Scorecard
The Citizens Bank
$100M-$1B
Specialty: Agricultural
AL
FDIC cert 22358
Greensboro, AL
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 63 in AL.
- Deposits +0.6% year over year ($116.2M on the books).
- Delinquency rate 1.90%.
- Return on assets 1.09%.
- Efficiency ratio 53.46% vs a 64.48% peer average.
- Loan-to-deposit ratio 32.06% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
2643
banks in the $100M-$1B peer group nationally
63 in AL
View $100M-$1B leaderboard (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 11.02% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.01% below tier average
- - ROA 0.23% below tier average
- - Delinquency Rate 0.98% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$129.2M
+1.7% YoY
-0.5% QoQ
|
-$257.4M |
$386.6M
+1.2% YoY
|
$2.5B
+1.5% YoY
|
$6.3B
+7.7% YoY
|
Bottom 7.9% in tier |
| Total Loans ? |
$37.2M
-1.4% YoY
-3.5% QoQ
|
-$221.1M |
$258.3M
+1.7% YoY
|
$1.6B
+2.8% YoY
|
$3.2B
+9.4% YoY
|
Bottom 1.1% in tier |
| Total Deposits ? |
$116.2M
+0.6% YoY
-0.6% QoQ
|
-$210.6M |
$326.7M
+0.7% YoY
|
$2.1B
+0.3% YoY
|
$4.9B
+7.3% YoY
|
Bottom 10.6% in tier |
| Return on Assets ? |
1.09%
+12.7% YoY
-0.3% QoQ
|
-0.23% |
1.32%
+10.8% YoY
|
0.89%
-13.0% YoY
|
1.30%
+12.1% YoY
|
40% |
| Net Interest Margin ? |
2.98%
+3.2% YoY
+0.5% QoQ
|
-1.01% |
3.99%
+5.0% YoY
|
4.02%
+3.4% YoY
|
3.95%
+4.9% YoY
|
Bottom 9.3% in tier |
| Efficiency Ratio ? |
53.46%
-3.2% YoY
+3.6% QoQ
|
-11.02% |
64.48%
-3.2% YoY
|
69.53%
+4.0% YoY
|
70.05%
+2.5% YoY
|
76% |
| Delinquency Rate ? |
1.90%
-13.3% YoY
+18.9% QoQ
|
+0.98% |
0.92%
+15.7% YoY
|
1.13%
+25.5% YoY
|
0.98%
+16.3% YoY
|
Bottom 13.7% in tier |
| Loan-to-Deposit Ratio ? |
32.06%
-2.0% YoY
-2.9% QoQ
|
-45.90% |
77.95%
+1.0% YoY
|
67.62%
+0.9% YoY
|
79.03%
+2.3% YoY
|
Top 2.0% in tier |
| Non-Interest-Bearing Deposit Share ? |
28.24%
+0.1% YoY
+4.0% QoQ
|
+6.21% |
22.03%
-0.6% YoY
|
24.04%
+0.1% YoY
|
21.98%
-0.6% YoY
|
77% |
| Nonperforming Asset Ratio ? |
0.55%
-15.9% YoY
+15.3% QoQ
|
-0.12% |
0.67%
+16.4% YoY
|
0.74%
+25.2% YoY
|
0.69%
+15.8% YoY
|
37% |
| Tier 1 Capital Ratio ? |
21.00%
-18.6% YoY
-17.5% QoQ
|
+5.09% |
15.91%
+1.4% YoY
|
15.01%
+1.3% YoY
|
17.09%
+0.8% YoY
|
Top 11.9% in tier |
| Non-Interest Income / Assets ? |
0.08%
+12.5% YoY
+91.6% QoQ
|
-0.49% |
0.57%
+7.6% YoY
|
0.35%
-14.4% YoY
|
0.66%
+5.2% YoY
|
Bottom 12.9% in tier |
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 (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
28.2%
0.0pp YoY +1.1pp QoQ |
+6.1pp | 22.1% | 24.0% | 22.2% | 76% |
| Brokered Deposits | n/a | n/a | 7.9% | 5.5% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
18.4%
+1.7pp YoY +1.0pp QoQ |
+6.9pp | 11.6% | 16.9% | 12.5% | 85% |
| CRE | n/a | n/a | 39.5% | 43.5% | 41.4% | n/a |
| 1-4 Family |
15.8%
+0.3pp YoY +0.4pp QoQ |
-16.8pp | 32.6% | 30.6% | 31.3% | 21% |
| Consumer |
13.8%
+0.4pp YoY +0.6pp QoQ |
+9.7pp | 4.1% | 5.7% | 5.0% | 95% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
21.0%
-4.8pp YoY -4.4pp QoQ |
+2.2pp | 18.8% | 15.1% | 19.7% | 80% |
| Leverage Ratio |
12.2%
+0.1pp YoY +0.3pp QoQ |
+0.1pp | 12.2% | 13.2% | 12.6% | 67% |
| Total Capital Ratio |
21.8%
-5.0pp YoY -4.7pp QoQ |
+1.9pp | 19.9% | 16.2% | 20.8% | 80% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
13
+1 (+8.3%) YoY 0 QoQ |
-46 | 58 | 304 | 482 | 2% |
| Assets per Employee ($) |
$9.9M
-6.1% YoY -0.5% QoQ |
+$2.4M | $7.5M | $6.9M | $8.8M | 85% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 20 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
1.2%
-0.3pp YoY +0.2pp QoQ |
+0.9pp | 0.3% | 0.2% | 0.4% | 93% |
| Nonaccrual |
0.7%
+0.1pp YoY +0.1pp QoQ |
-0.2pp | 0.9% | 1.2% | 1.0% | 64% |
| Allowance Coverage |
0.70x
+19.1% YoY -14.1% QoQ |
-23.45x | 24.15x | 7.50x | 20.23x | 17% |
| Net Charge-off Rate (YTD) |
0.1%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.3% | 0.2% | 69% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.5%
-0.1pp YoY -0.1pp QoQ |
-0.7pp | 12.2% | 10.0% | 11.6% | 46% |
| Cost of Funds (YTD) |
1.4%
-0.2pp YoY 0.0pp QoQ |
-0.3pp | 1.7% | 1.7% | 1.7% | 29% |
| Net Income ($, YTD) |
$710,000
+17.5% YoY — QoQ |
-$1.8M | $2.6M | $17.2M | $40.4M | 16% |
Get Full Access to The Citizens Bank
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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).
Top Strengths (4 metrics)
54
Loan-to-Deposit Ratio
liquidity
Value:
32.06%
Peer Median: 77.95%
#54 of 2643
Top 2.0% in $100M-$1B
315
Tier 1 Capital Ratio
capital
Value:
21.00%
Peer Median: 15.91%
#315 of 2643
Top 11.9% in $100M-$1B
618
Non-Interest-Bearing Deposit Share
funding
Value:
28.24%
Peer Median: 22.03%
#618 of 2643
Top 23.3% in $100M-$1B
647
Efficiency Ratio
profitability
Value:
53.46%
Peer Median: 64.48%
#647 of 2643
Top 24.4% in $100M-$1B
Top Weaknesses (6 metrics)
2614
Total Loans
size
Value:
$37.23M
Peer Median: $258.35M
#2614 of 2643
Bottom 1.1% in $100M-$1B
2434
Total Assets
size
Value:
$129.20M
Peer Median: $386.57M
#2434 of 2643
Bottom 7.9% in $100M-$1B
2398
Net Interest Margin
profitability
Value:
2.98%
Peer Median: 3.99%
#2398 of 2643
Bottom 9.3% in $100M-$1B
2364
Total Deposits
size
Value:
$116.16M
Peer Median: $326.73M
#2364 of 2643
Bottom 10.6% in $100M-$1B
2302
Non-Interest Income / Assets
revenue_mix
Value:
0.08%
Peer Median: 0.57%
#2302 of 2643
Bottom 12.9% in $100M-$1B
2272
Delinquency Rate
credit_quality
Value:
1.90%
Peer Median: 0.92%
#2272 of 2633
Bottom 13.7% in $100M-$1B