BlastPoint's Banking Scorecard

Citizens Federal Savings Bank

$100M-$1B Specialty: Mortgage KS FDIC cert 30150

Designations: ✓ Mutual

Leavenworth, KS

3 branches across 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 117 in KS.
Deposits +6.8% year over year ($149.1M on the books).
Delinquency rate 0.15%.
Return on assets 0.19%.
Efficiency ratio 90.32% vs a 64.48% peer average.
Loan-to-deposit ratio 90.14% 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 117 in KS

View $100M-$1B leaderboard (KS) →

Citizens Federal Savings Bank has 1 strength but faces 5 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 0.77% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 5.6% in tier
- Liquidity Overhang: Bottom 23.7% in tier
- Return on Assets 1.13% below tier average
- Efficiency Ratio 25.84% above tier average
- Net Interest Margin 0.98% below tier average

Get updates when Citizens Federal Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$190.1M +1.9% YoY +0.9% QoQ	-$196.5M	$386.6M +1.2% YoY	$513.9M +7.1% YoY	$6.3B +7.7% YoY	24%
Total Loans ?	$134.4M +0.5% YoY -0.7% QoQ	-$123.9M	$258.3M +1.7% YoY	$343.7M +7.8% YoY	$3.2B +9.4% YoY	30%
Total Deposits ?	$149.1M +6.8% YoY +1.1% QoQ	-$177.6M	$326.7M +0.7% YoY	$426.3M +7.4% YoY	$4.9B +7.3% YoY	21%
Return on Assets ?	0.19% +221.6% YoY -11.9% QoQ	-1.13%	1.32% +10.8% YoY	1.56% +14.6% YoY	1.30% +12.1% YoY	Bottom 5.5% in tier
Net Interest Margin ?	3.00% +7.0% YoY +0.9% QoQ	-0.98%	3.99% +5.0% YoY	3.99% +4.5% YoY	3.95% +4.9% YoY	Bottom 10.1% in tier
Efficiency Ratio ?	90.32% -7.8% YoY -0.6% QoQ	+25.84%	64.48% -3.2% YoY	60.13% -4.7% YoY	70.05% +2.5% YoY	Bottom 5.6% in tier
Delinquency Rate ?	0.15% -43.2% YoY -33.7% QoQ	-0.77%	0.92% +15.7% YoY	0.82% +9.9% YoY	0.98% +16.3% YoY	70%
Loan-to-Deposit Ratio ?	90.14% -5.9% YoY -1.8% QoQ	+12.19%	77.95% +1.0% YoY	72.94% +0.4% YoY	79.03% +2.3% YoY	26%
Non-Interest-Bearing Deposit Share ?	9.98% -0.8% YoY +5.0% QoQ	-12.05%	22.03% -0.6% YoY	22.01% -1.4% YoY	21.98% -0.6% YoY	Bottom 10.6% in tier
Nonperforming Asset Ratio ?	0.11% -43.9% YoY -34.7% QoQ	-0.56%	0.67% +16.4% YoY	0.53% +8.8% YoY	0.69% +15.8% YoY	71%
Tier 1 Capital Ratio ?	20.08% +0.6% YoY +0.2% QoQ	+4.17%	15.91% +1.4% YoY	17.75% -1.2% YoY	17.09% +0.8% YoY	Top 13.4% in tier
Non-Interest Income / Assets ?	0.19% +13.6% YoY +131.8% QoQ	-0.38%	0.57% +7.6% YoY	0.59% -1.1% YoY	0.66% +5.2% YoY	46%

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 (KS)	National Avg	Tier Percentile
Noninterest-Bearing	10.0% -0.1pp YoY +0.5pp QoQ	-12.2pp	22.1%	22.3%	22.2%	10%
Brokered Deposits	n/a	n/a	7.9%	8.7%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
C&I	1.7% +1.0pp YoY +0.2pp QoQ	-9.8pp	11.6%	12.6%	12.5%	6%
CRE	n/a	n/a	39.5%	28.8%	41.4%	n/a
1-4 Family	89.1% -1.3pp YoY -0.3pp QoQ	+56.5pp	32.6%	26.7%	31.3%	98%
Consumer	1.3% -1.0pp YoY -0.1pp QoQ	-2.8pp	4.1%	4.6%	5.0%	36%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	23.3%	19.7%	n/a
Leverage Ratio	20.1% +0.1pp YoY 0.0pp QoQ	+7.9pp	12.2%	12.6%	12.6%	96%
Total Capital Ratio	n/a	n/a	19.9%	24.4%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Full-Time Employees	28 -1 (-3.4%) YoY -1 (-3.4%) QoQ	-31	58	70	482	24%
Assets per Employee ($)	$6.8M +5.5% YoY +4.5% QoQ	-$729K	$7.5M	$7.1M	$8.8M	48%
Branch Count	3 0 YoY 0 QoQ	-2	4	6	18	26%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% -0.1pp YoY -0.1pp QoQ	-0.3pp	0.3%	0.4%	0.4%	21%
Nonaccrual	0.1% 0.0pp YoY 0.0pp QoQ	-0.8pp	0.9%	0.8%	1.0%	23%
Allowance Coverage	2.07x +73.9% YoY +53.2% QoQ	-22.08x	24.15x	22.44x	20.23x	49%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	52%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
ROE	1.0% +0.7pp YoY -0.1pp QoQ	-11.2pp	12.2%	14.3%	11.6%	4%
Cost of Funds (YTD)	1.4% -0.1pp YoY 0.0pp QoQ	-0.3pp	1.7%	1.6%	1.7%	28%
Net Income ($, YTD)	$184,000 +222.8% YoY — QoQ	-$2.4M	$2.6M	$3.7M	$40.4M	5%

Get Full Access to Citizens Federal Savings Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 (2)

Liquidity Strain

risk

#40 of 691 • Bottom 5.6% 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: 90.14%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank improving

Liquidity Overhang

risk

#177 of 742 • Bottom 23.7% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 20.08%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 90.14%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 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 (1 metrics)

355

Tier 1 Capital Ratio

capital

Value: 20.08%

Peer Median: 15.91%

#355 of 2643 Top 13.4% in $100M-$1B

Top Weaknesses (6 metrics)

2499

Return on Assets

profitability

Value: 0.19%

Peer Median: 1.32%

#2499 of 2643 Bottom 5.5% in $100M-$1B

2496

Efficiency Ratio

profitability

Value: 90.32%

Peer Median: 64.48%

#2496 of 2643 Bottom 5.6% in $100M-$1B

2376

Net Interest Margin

profitability

Value: 3.00%

Peer Median: 3.99%

#2376 of 2643 Bottom 10.1% in $100M-$1B

2364

Non-Interest-Bearing Deposit Share

funding

Value: 9.98%

Peer Median: 22.03%

#2364 of 2643 Bottom 10.6% in $100M-$1B

2080

Total Deposits

size

Value: $149.13M

Peer Median: $326.73M

#2080 of 2643 Bottom 21.3% in $100M-$1B

2012

Total Assets

size

Value: $190.11M

Peer Median: $386.57M

#2012 of 2643 Bottom 23.9% in $100M-$1B