BlastPoint's Banking Scorecard

Citizens' Bank, Inc.

$100M-$1B Specialty: Commercial AL FDIC cert 23523

Robertsdale, AL

3 branches across AL

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

Citizens' Bank, Inc. has 1 strength 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

+ Delinquency Rate 0.63% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 4.4% in tier
- Credit Quality Pressure: Bottom 16.7% in tier
- Capital Thin: Bottom 32.6% in tier
- ROA 0.26% below tier average
- Net Interest Margin 0.28% below tier average
- Efficiency Ratio 1.88% above tier average

Get updates when Citizens' Bank, Inc. releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Total Assets ?	$158.6M +1.7% YoY +1.7% QoQ	-$227.5M	$386.1M +0.5% YoY	$2.5B +0.2% YoY	$6.2B +9.1% YoY	17%
Total Loans ?	$83.0M +2.7% YoY -3.0% QoQ	-$172.7M	$255.7M +1.1% YoY	$1.5B +2.4% YoY	$3.2B +10.8% YoY	Bottom 12.5% in tier
Total Deposits ?	$143.7M +0.4% YoY +2.7% QoQ	-$184.3M	$328.0M +0.1% YoY	$2.1B -0.2% YoY	$4.8B +8.2% YoY	19%
Return on Assets ?	1.01% +33.7% YoY +10.6% QoQ	-0.26%	1.27% +12.9% YoY	0.78% -19.5% YoY	1.23% +13.4% YoY	38%
Net Interest Margin ?	3.65% +11.8% YoY +4.6% QoQ	-0.28%	3.93% +6.0% YoY	3.99% +5.2% YoY	3.89% +5.7% YoY	38%
Efficiency Ratio ?	67.17% -10.3% YoY -7.5% QoQ	+1.88%	65.29% -4.5% YoY	72.13% +5.1% YoY	66.95% -4.1% YoY	39%
Delinquency Rate ?	0.25% +26.1% YoY -16.6% QoQ	-0.63%	0.89% +18.8% YoY	1.09% +24.8% YoY	0.95% +18.8% YoY	60%
Loan-to-Deposit Ratio ?	57.79% +2.2% YoY -5.6% QoQ	-18.85%	76.64% +0.8% YoY	67.08% +2.0% YoY	76.70% +0.9% YoY	84%
Non-Interest-Bearing Deposit Share ?	33.90% +11.9% YoY +6.4% QoQ	+11.88%	22.02% -1.0% YoY	23.89% +0.0% YoY	22.01% -1.2% YoY	Top 11.4% in tier
Nonperforming Asset Ratio ?	0.13% +27.2% YoY -20.5% QoQ	-0.50%	0.64% +19.7% YoY	0.71% +24.8% YoY	0.67% +19.3% YoY	66%
Tier 1 Capital Ratio ?	10.73% +3.7% YoY +1.6% QoQ	-5.10%	15.83% +1.5% YoY	16.96% +13.8% YoY	17.06% +0.8% YoY	20%
Non-Interest Income / Assets ?	0.06% +28.6% YoY -69.4% QoQ	-0.22%	0.28% +9.3% YoY	0.16% -16.3% YoY	0.32% +4.1% YoY	23%

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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 (3)

Credit Risk Growth

risk

#44 of 973 • Bottom 4.4% 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

Credit Quality Pressure

risk

#219 of 1308 • Bottom 16.7% in tier

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

Why this signature

Delinquency Rate: 0.25%

(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

#218 of 666 • Bottom 32.6% 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: 10.73%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

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 (2 metrics)

305

Non-Interest-Bearing Deposit Share

funding

Value: 33.90%

Peer Median: 22.02%

#305 of 2664 Top 11.4% in $100M-$1B

439

Loan-to-Deposit Ratio

liquidity

Value: 57.79%

Peer Median: 76.64%

#439 of 2664 Top 16.4% in $100M-$1B

Top Weaknesses (5 metrics)

2331

Total Loans

size

Value: $83.02M

Peer Median: $255.72M

#2331 of 2664 Bottom 12.5% in $100M-$1B

2213

Total Assets

size

Value: $158.63M

Peer Median: $386.08M

#2213 of 2664 Bottom 17.0% in $100M-$1B

2150

Total Deposits

size

Value: $143.66M

Peer Median: $327.97M

#2150 of 2664 Bottom 19.3% in $100M-$1B

2139

Tier 1 Capital Ratio

capital

Value: 10.73%

Peer Median: 15.83%

#2139 of 2664 Bottom 19.7% in $100M-$1B

2050

Non-Interest Income / Assets

revenue_mix

Value: 0.06%

Peer Median: 0.28%

#2050 of 2664 Bottom 23.1% in $100M-$1B