BlastPoint's Banking Scorecard

Citizens Bank

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

Butler, MO

10 branches across MO · KS

2664 banks in the $100M-$1B peer group nationally 143 in MO

Citizens Bank has 4 strengths but faces 6 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 17.3% in tier
+ Return on Assets 1.07% above tier average
+ Efficiency Ratio 5.16% below tier average
+ Delinquency Rate 0.76% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 7.0% in tier
- Capital Thin: Bottom 8.9% in tier
- Credit Risk Growth: Bottom 13.7% in tier
- Cost Spiral: Bottom 21.4% in tier
- Liquidity Strain: Bottom 28.6% in tier
- Margin Compression: Bottom 65.2% in tier

Get updates when Citizens Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$194.5M +0.7% YoY +5.8% QoQ	-$191.6M	$386.1M +0.5% YoY	$1.6B +6.5% YoY	$6.2B +9.1% YoY	25%
Total Loans ?	$166.0M +5.8% YoY +2.4% QoQ	-$89.7M	$255.7M +1.1% YoY	$1.0B +8.5% YoY	$3.2B +10.8% YoY	40%
Total Deposits ?	$178.9M +2.3% YoY +8.4% QoQ	-$149.1M	$328.0M +0.1% YoY	$1.3B +6.1% YoY	$4.8B +8.2% YoY	29%
Return on Assets ?	2.34% -18.3% YoY -16.7% QoQ	+1.07%	1.27% +12.9% YoY	1.43% +10.8% YoY	1.23% +13.4% YoY	Top 6.5% in tier
Net Interest Margin ?	6.35% -5.4% YoY -6.1% QoQ	+2.42%	3.93% +6.0% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	Top 1.0% in tier
Efficiency Ratio ?	60.12% +10.8% YoY +8.9% QoQ	-5.16%	65.29% -4.5% YoY	59.97% -5.2% YoY	66.95% -4.1% YoY	59%
Delinquency Rate ?	0.13% +6.6% YoY +27.8% QoQ	-0.76%	0.89% +18.8% YoY	0.83% +18.3% YoY	0.95% +18.8% YoY	71%
Loan-to-Deposit Ratio ?	92.78% +3.4% YoY -5.5% QoQ	+16.14%	76.64% +0.8% YoY	79.48% +1.6% YoY	76.70% +0.9% YoY	19%
Non-Interest-Bearing Deposit Share ?	36.32% +7.5% YoY +1.8% QoQ	+14.30%	22.02% -1.0% YoY	20.72% +0.3% YoY	22.01% -1.2% YoY	Top 8.4% in tier
Nonperforming Asset Ratio ?	0.14% -54.9% YoY +15.8% QoQ	-0.50%	0.64% +19.7% YoY	0.67% +20.5% YoY	0.67% +19.3% YoY	66%
Tier 1 Capital Ratio ?	9.59% -14.9% YoY -4.9% QoQ	-6.24%	15.83% +1.5% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	Bottom 5.4% in tier
Non-Interest Income / Assets ?	0.08% -9.7% YoY -78.4% QoQ	-0.20%	0.28% +9.3% YoY	0.29% +5.6% YoY	0.32% +4.1% YoY	41%

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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

#48 of 272 • Top 17.3% 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: 36.32%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 6.35%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank improving

Concerns (6)

Credit Quality Pressure

risk

#92 of 1308 • Bottom 7.0% in tier

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

Why this signature

Delinquency Rate: 0.13%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Capital Thin

risk

#60 of 666 • Bottom 8.9% 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: 9.59%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Credit Risk Growth

risk

#134 of 973 • Bottom 13.7% in tier

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

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank improving

Cost Spiral

risk

#28 of 126 • Bottom 21.4% 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: 60.12%

(Tier: 65.29%, National: 66.95%)

better than tier avg

126 of 126 Community banks match · 176 nationally

↑ Growing +82 banks QoQ

Liquidity Strain

risk

#185 of 643 • Bottom 28.6% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 92.78%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Margin Compression

decline

#200 of 305 • Bottom 65.2% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 2.34%

(Tier: 1.27%, National: 1.23%)

better than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 banks QoQ

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)

Net Interest Margin

profitability

Value: 6.35%

Peer Median: 3.93%

#28 of 2664 Top 1.0% in $100M-$1B

174

Return on Assets

profitability

Value: 2.34%

Peer Median: 1.27%

#174 of 2664 Top 6.5% in $100M-$1B

225

Non-Interest-Bearing Deposit Share

funding

Value: 36.32%

Peer Median: 22.02%

#225 of 2664 Top 8.4% in $100M-$1B

Top Weaknesses (2 metrics)

2520

Tier 1 Capital Ratio

capital

Value: 9.59%

Peer Median: 15.83%

#2520 of 2664 Bottom 5.4% in $100M-$1B

2162

Loan-to-Deposit Ratio

liquidity

Value: 92.78%

Peer Median: 76.64%

#2162 of 2664 Bottom 18.9% in $100M-$1B