BlastPoint's Banking Scorecard
Citizens Federal Savings Bank
Designations: ✓ Mutual
Leavenworth, KS
3 branches across KS
Citizens Federal Savings Bank has 1 strength but faces 8 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.66% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 0.2% in tier
- - Liquidity Strain: Bottom 10.4% in tier
- - Credit Quality Pressure: Bottom 15.9% in tier
- - Liquidity Overhang: Bottom 21.1% in tier
- - Return on Assets 1.05% below tier average
- - Efficiency Ratio 25.55% above tier average
- - Non-Interest-Bearing Deposit Share 12.52% below tier average
- - Net Interest Margin 0.95% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$188.5M
-0.5% YoY
+0.4% QoQ
|
-$197.6M |
$386.1M
+0.5% YoY
|
$509.2M
+7.2% YoY
|
$6.2B
+9.1% YoY
|
24% |
| Total Loans ? |
$135.3M
+0.6% YoY
+1.8% QoQ
|
-$120.4M |
$255.7M
+1.1% YoY
|
$338.5M
+8.8% YoY
|
$3.2B
+10.8% YoY
|
31% |
| Total Deposits ? |
$147.4M
+5.9% YoY
+2.2% QoQ
|
-$180.5M |
$328.0M
+0.1% YoY
|
$424.4M
+7.3% YoY
|
$4.8B
+8.2% YoY
|
21% |
| Return on Assets ? |
0.22%
+360.9% YoY
+27.7% QoQ
|
-1.05% |
1.27%
+12.9% YoY
|
1.40%
+19.8% YoY
|
1.23%
+13.4% YoY
|
Bottom 6.7% in tier |
| Net Interest Margin ? |
2.98%
+6.0% YoY
+4.2% QoQ
|
-0.95% |
3.93%
+6.0% YoY
|
3.92%
+4.5% YoY
|
3.89%
+5.7% YoY
|
Bottom 10.8% in tier |
| Efficiency Ratio ? |
90.83%
-12.0% YoY
-2.7% QoQ
|
+25.55% |
65.29%
-4.5% YoY
|
62.29%
-5.0% YoY
|
66.95%
-4.1% YoY
|
Bottom 6.1% in tier |
| Delinquency Rate ? |
0.23%
+30.6% YoY
-3.7% QoQ
|
-0.66% |
0.89%
+18.8% YoY
|
0.77%
+10.4% YoY
|
0.95%
+18.8% YoY
|
62% |
| Loan-to-Deposit Ratio ? |
91.79%
-4.9% YoY
-0.4% QoQ
|
+15.15% |
76.64%
+0.8% YoY
|
71.79%
+1.2% YoY
|
76.70%
+0.9% YoY
|
21% |
| Non-Interest-Bearing Deposit Share ? |
9.50%
-3.0% YoY
+9.8% QoQ
|
-12.52% |
22.02%
-1.0% YoY
|
22.83%
-2.0% YoY
|
22.01%
-1.2% YoY
|
Bottom 9.8% in tier |
| Nonperforming Asset Ratio ? |
0.16%
+32.2% YoY
-2.4% QoQ
|
-0.48% |
0.64%
+19.7% YoY
|
0.51%
+12.5% YoY
|
0.67%
+19.3% YoY
|
63% |
| Tier 1 Capital Ratio ? |
20.05%
+1.7% YoY
+1.1% QoQ
|
+4.22% |
15.83%
+1.5% YoY
|
17.98%
-0.9% YoY
|
17.06%
+0.8% YoY
|
Top 13.4% in tier |
| Non-Interest Income / Assets ? |
0.08%
+9.8% YoY
-76.8% QoQ
|
-0.20% |
0.28%
+9.3% YoY
|
0.28%
-1.8% YoY
|
0.32%
+4.1% YoY
|
40% |
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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 (0)
Concerns (4)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.