BlastPoint's Banking Scorecard

Citizens Savings Bank

$100M-$1B Specialty: Mortgage PA FDIC cert 31184

Designations: ✓ Mutual

Clarks Summit, PA

6 branches across PA

2664 banks in the $100M-$1B peer group nationally 55 in PA

Citizens Savings Bank has 1 strength but faces 7 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

- Liquidity Overhang: Bottom 3.4% in tier
- Liquidity Strain: Bottom 12.4% in tier
- Credit Quality Pressure: Bottom 15.4% in tier
- Return on Assets 1.11% below tier average
- Net Interest Margin 1.36% below tier average
- Efficiency Ratio 25.88% above tier average
- Non-Interest-Bearing Deposit Share 12.75% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Total Assets ?	$358.9M +0.8% YoY +1.0% QoQ	-$27.2M	$386.1M +0.5% YoY	$3.1B +7.0% YoY	$6.2B +9.1% YoY	55%
Total Loans ?	$290.6M -1.2% YoY -0.0% QoQ	+$34.9M	$255.7M +1.1% YoY	$2.2B +7.7% YoY	$3.2B +10.8% YoY	66%
Total Deposits ?	$304.2M +0.5% YoY +1.2% QoQ	-$23.8M	$328.0M +0.1% YoY	$2.6B +7.1% YoY	$4.8B +8.2% YoY	55%
Return on Assets ?	0.16% +78.9% YoY -34.4% QoQ	-1.11%	1.27% +12.9% YoY	1.46% +26.2% YoY	1.23% +13.4% YoY	Bottom 6.0% in tier
Net Interest Margin ?	2.57% +5.7% YoY +2.2% QoQ	-1.36%	3.93% +6.0% YoY	3.32% +8.7% YoY	3.89% +5.7% YoY	Bottom 3.6% in tier
Efficiency Ratio ?	91.17% -4.7% YoY +2.5% QoQ	+25.88%	65.29% -4.5% YoY	69.09% -7.7% YoY	66.95% -4.1% YoY	Bottom 5.8% in tier
Delinquency Rate ?	0.26% +16.0% YoY +11.5% QoQ	-0.63%	0.89% +18.8% YoY	0.92% +20.5% YoY	0.95% +18.8% YoY	60%
Loan-to-Deposit Ratio ?	95.54% -1.7% YoY -1.2% QoQ	+18.90%	76.64% +0.8% YoY	83.35% -0.2% YoY	76.70% +0.9% YoY	Bottom 14.8% in tier
Non-Interest-Bearing Deposit Share ?	9.27% -1.6% YoY +7.3% QoQ	-12.75%	22.02% -1.0% YoY	17.71% -0.1% YoY	22.01% -1.2% YoY	Bottom 9.4% in tier
Nonperforming Asset Ratio ?	0.21% +13.6% YoY +10.3% QoQ	-0.43%	0.64% +19.7% YoY	0.67% +14.7% YoY	0.67% +19.3% YoY	59%
Tier 1 Capital Ratio ?	30.11% +1.1% YoY -0.9% QoQ	+14.28%	15.83% +1.5% YoY	20.10% +0.3% YoY	17.06% +0.8% YoY	Top 3.8% in tier
Non-Interest Income / Assets ?	0.07% +1.3% YoY -77.4% QoQ	-0.21%	0.28% +9.3% YoY	0.69% +18.0% YoY	0.32% +4.1% YoY	29%

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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)

Liquidity Overhang

risk

#26 of 739 • Bottom 3.4% 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: 30.11%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 95.54%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank declining

Liquidity Strain

risk

#81 of 643 • Bottom 12.4% 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: 95.54%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk

#202 of 1308 • Bottom 15.4% in tier

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

Why this signature

Delinquency Rate: 0.26%

(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

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 (1 metrics)

103

Tier 1 Capital Ratio

capital

Value: 30.11%

Peer Median: 15.83%

#103 of 2664 Top 3.8% in $100M-$1B

Top Weaknesses (5 metrics)

2568

Net Interest Margin

profitability

Value: 2.57%

Peer Median: 3.93%

#2568 of 2664 Bottom 3.6% in $100M-$1B

2511

Efficiency Ratio

profitability

Value: 91.17%

Peer Median: 65.29%

#2511 of 2664 Bottom 5.8% in $100M-$1B

2506

Return on Assets

profitability

Value: 0.16%

Peer Median: 1.27%

#2506 of 2664 Bottom 6.0% in $100M-$1B

2415

Non-Interest-Bearing Deposit Share

funding

Value: 9.27%

Peer Median: 22.02%

#2415 of 2664 Bottom 9.4% in $100M-$1B

2271

Loan-to-Deposit Ratio

liquidity

Value: 95.54%

Peer Median: 76.64%

#2271 of 2664 Bottom 14.8% in $100M-$1B