BlastPoint's Banking Scorecard

Citizens Bank

$100M-$1B Specialty: Agricultural MO FDIC cert 22601

Butler, MO

10 branches across MO · KS

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 140 in MO.
Deposits +0.9% year over year ($171.1M on the books).
Delinquency rate 0.20%.
Return on assets 2.43%.
Efficiency ratio 59.85% vs a 64.48% peer average.
Loan-to-deposit ratio 98.51% 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 140 in MO

View $100M-$1B leaderboard (MO) →

Citizens Bank has 4 strengths but faces 4 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

+ Deposit Franchise: Top 16.5% in tier
+ Return on Assets 1.11% above tier average
+ Efficiency Ratio 4.63% below tier average
+ Delinquency Rate 0.72% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 9.4% in tier
- Credit Quality Pressure: Bottom 18.0% in tier
- Cost Spiral: Bottom 21.0% in tier
- Credit Risk Growth: Bottom 25.3% in tier

Get updates when Citizens Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$188.1M +0.2% YoY -3.3% QoQ	-$198.5M	$386.6M +1.2% YoY	$1.6B +6.4% YoY	$6.3B +7.7% YoY	23%
Total Loans ?	$168.6M +6.6% YoY +1.6% QoQ	-$89.8M	$258.3M +1.7% YoY	$1.0B +10.0% YoY	$3.2B +9.4% YoY	40%
Total Deposits ?	$171.1M +0.9% YoY -4.4% QoQ	-$155.6M	$326.7M +0.7% YoY	$1.3B +6.1% YoY	$4.9B +7.3% YoY	27%
Return on Assets ?	2.43% -15.1% YoY +3.9% QoQ	+1.11%	1.32% +10.8% YoY	1.46% +5.9% YoY	1.30% +12.1% YoY	Top 5.5% in tier
Net Interest Margin ?	6.53% -2.8% YoY +2.8% QoQ	+2.54%	3.99% +5.0% YoY	4.55% +0.7% YoY	3.95% +4.9% YoY	Top 0.8% in tier
Efficiency Ratio ?	59.85% +10.1% YoY -0.5% QoQ	-4.63%	64.48% -3.2% YoY	59.57% -3.2% YoY	70.05% +2.5% YoY	57%
Delinquency Rate ?	0.20% +72.1% YoY +55.1% QoQ	-0.72%	0.92% +15.7% YoY	0.82% +12.6% YoY	0.98% +16.3% YoY	66%
Loan-to-Deposit Ratio ?	98.51% +5.7% YoY +6.2% QoQ	+20.56%	77.95% +1.0% YoY	80.82% +1.6% YoY	79.03% +2.3% YoY	Bottom 12.0% in tier
Non-Interest-Bearing Deposit Share ?	35.81% +3.0% YoY -1.4% QoQ	+13.78%	22.03% -0.6% YoY	20.71% -0.5% YoY	21.98% -0.6% YoY	Top 8.9% in tier
Nonperforming Asset Ratio ?	0.21% -30.0% YoY +50.1% QoQ	-0.46%	0.67% +16.4% YoY	0.67% +14.9% YoY	0.69% +15.8% YoY	60%
Tier 1 Capital Ratio ?	9.69% -15.3% YoY +1.0% QoQ	-6.22%	15.91% +1.4% YoY	15.38% -1.1% YoY	17.09% +0.8% YoY	Bottom 7.0% in tier
Non-Interest Income / Assets ?	0.17% -12.9% YoY +106.8% QoQ	-0.39%	0.57% +7.6% YoY	0.58% +5.8% YoY	0.66% +5.2% YoY	42%

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 (MO)	National Avg	Tier Percentile
Noninterest-Bearing	35.8% +1.0pp YoY -0.5pp QoQ	+13.7pp	22.1%	20.9%	22.2%	91%
Brokered Deposits	n/a	n/a	7.9%	7.4%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
C&I	4.3% -2.5pp YoY -0.8pp QoQ	-7.2pp	11.6%	12.3%	12.5%	16%
CRE	28.1% -1.8pp YoY -0.8pp QoQ	-11.5pp	39.5%	36.8%	41.4%	31%
1-4 Family	37.0% +6.2pp YoY +1.1pp QoQ	+4.3pp	32.6%	31.9%	31.3%	65%
Consumer	2.3% -0.3pp YoY -0.1pp QoQ	-1.9pp	4.1%	4.1%	5.0%	51%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
CET1 Ratio	9.7% -1.8pp YoY +0.1pp QoQ	-9.1pp	18.8%	18.5%	19.7%	1%
Leverage Ratio	7.7% -1.5pp YoY -0.2pp QoQ	-4.4pp	12.2%	11.6%	12.6%	1%
Total Capital Ratio	10.9% -1.7pp YoY +0.1pp QoQ	-9.0pp	19.9%	19.6%	20.8%	2%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Full-Time Employees	46 0 YoY +1 (+2.2%) QoQ	-13	58	162	482	48%
Assets per Employee ($)	$4.1M +0.2% YoY -5.4% QoQ	-$3.4M	$7.5M	$8.0M	$8.8M	5%
Branch Count	10 0 YoY 0 QoQ	+5	4	10	18	90%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.3%	0.4%	n/a
Nonaccrual	0.2% +0.1pp YoY +0.1pp QoQ	-0.7pp	0.9%	0.8%	1.0%	30%
Allowance Coverage	5.52x -43.9% YoY -35.7% QoQ	-18.63x	24.15x	10.47x	20.23x	72%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.3%	0.2%	43%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
ROE	30.5% -0.2pp YoY +1.3pp QoQ	+18.3pp	12.2%	14.3%	11.6%	98%
Cost of Funds (YTD)	1.1% -0.1pp YoY 0.0pp QoQ	-0.6pp	1.7%	1.8%	1.7%	17%
Net Income ($, YTD)	$2.3M -15.1% YoY — QoQ	-$262K	$2.6M	$11.3M	$40.4M	58%

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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)

Deposit Franchise

growth

#47 of 278 • Top 16.5% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 35.81%

(Tier: 22.03%, National: 21.98%)

better than tier avg

Net Interest Margin: 6.53%

(Tier: 3.99%, National: 3.95%)

better than tier avg

278 of 278 Community banks match · 368 nationally

→ Stable -1 banks QoQ

Concerns (4)

Capital Thin

risk

#63 of 661 • Bottom 9.4% 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: 9.69%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

Credit Quality Pressure

risk

#227 of 1256 • Bottom 18.0% in tier

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

Why this signature

Delinquency Rate: 0.20%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank declining

Cost Spiral

risk

#30 of 138 • Bottom 21.0% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 59.85%

(Tier: 64.48%, National: 70.05%)

better than tier avg

138 of 138 Community banks match · 184 nationally

→ Stable +9 banks QoQ | QoQ rank declining

Credit Risk Growth

risk

#238 of 936 • Bottom 25.3% in tier

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

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank declining

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 2643 peers in $100M-$1B

Top Strengths (3 metrics)

Net Interest Margin

profitability

Value: 6.53%

Peer Median: 3.99%

#23 of 2643 Top 0.8% in $100M-$1B

147

Return on Assets

profitability

Value: 2.43%

Peer Median: 1.32%

#147 of 2643 Top 5.5% in $100M-$1B

237

Non-Interest-Bearing Deposit Share

funding

Value: 35.81%

Peer Median: 22.03%

#237 of 2643 Top 8.9% in $100M-$1B

Top Weaknesses (3 metrics)

2459

Tier 1 Capital Ratio

capital

Value: 9.69%

Peer Median: 15.91%

#2459 of 2643 Bottom 7.0% in $100M-$1B

2327

Loan-to-Deposit Ratio

liquidity

Value: 98.51%

Peer Median: 77.95%

#2327 of 2643 Bottom 12.0% in $100M-$1B

2024

Total Assets

size

Value: $188.09M

Peer Median: $386.57M

#2024 of 2643 Bottom 23.5% in $100M-$1B