BlastPoint's Banking Scorecard

Citizens Bank

$100M-$1B Specialty: Agricultural TX FDIC cert 3140

Amarillo, TX

4 branches across TX · NM

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 219 in TX.
Deposits +15.1% year over year ($273.4M on the books).
Delinquency rate 0.01%.
Return on assets 2.27%.
Efficiency ratio 43.53% vs a 64.48% peer average.
Loan-to-deposit ratio 63.47% 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 219 in TX

View $100M-$1B leaderboard (TX) →

Citizens Bank has 4 strengths but faces 2 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

+ Credit Quality Leader: Top 19.1% in tier
+ Return on Assets 0.95% above tier average
+ Efficiency Ratio 20.95% below tier average
+ Net Interest Margin 0.15% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 1.8% in tier
- Non-Interest Income / Assets 0.50% below tier average

Get updates when Citizens Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$309.8M +13.9% YoY +1.9% QoQ	-$76.8M	$386.6M +1.2% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	48%
Total Loans ?	$173.5M -3.2% YoY -5.2% QoQ	-$84.8M	$258.3M +1.7% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	42%
Total Deposits ?	$273.4M +15.1% YoY +1.9% QoQ	-$53.3M	$326.7M +0.7% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	50%
Return on Assets ?	2.27% -11.0% YoY +4.8% QoQ	+0.95%	1.32% +10.8% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	Top 7.5% in tier
Net Interest Margin ?	4.14% -12.9% YoY +1.5% QoQ	+0.15%	3.99% +5.0% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	62%
Efficiency Ratio ?	43.53% -1.6% YoY -4.3% QoQ	-20.95%	64.48% -3.2% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	Top 7.2% in tier
Delinquency Rate ?	0.01% +881.0% YoY +568.1% QoQ	-0.91%	0.92% +15.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	Top 14.5% in tier
Loan-to-Deposit Ratio ?	63.47% -15.9% YoY -7.0% QoQ	-14.48%	77.95% +1.0% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	79%
Non-Interest-Bearing Deposit Share ?	19.63% -5.3% YoY +1.9% QoQ	-2.40%	22.03% -0.6% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	44%
Nonperforming Asset Ratio ?	0.01% +734.1% YoY +521.5% QoQ	-0.66%	0.67% +16.4% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	Top 12.9% in tier
Tier 1 Capital Ratio ?	10.07% -30.8% YoY -35.5% QoQ	-5.84%	15.91% +1.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	Bottom 11.5% in tier
Non-Interest Income / Assets ?	0.07% -20.8% YoY +105.0% QoQ	-0.50%	0.57% +7.6% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	Bottom 9.5% in tier

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 (TX)	National Avg	Tier Percentile
Noninterest-Bearing	19.6% -1.1pp YoY +0.4pp QoQ	-2.5pp	22.1%	29.2%	22.2%	44%
Brokered Deposits	n/a	n/a	7.9%	8.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
C&I	7.2% 0.0pp YoY +0.1pp QoQ	-4.3pp	11.6%	14.8%	12.5%	34%
CRE	n/a	n/a	39.5%	48.4%	41.4%	n/a
1-4 Family	6.4% -0.4pp YoY +0.3pp QoQ	-26.3pp	32.6%	25.8%	31.3%	6%
Consumer	0.2% +0.1pp YoY 0.0pp QoQ	-3.9pp	4.1%	4.7%	5.0%	9%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	22.7%	19.7%	n/a
Leverage Ratio	10.1% -0.6pp YoY 0.0pp QoQ	-2.1pp	12.2%	12.6%	12.6%	33%
Total Capital Ratio	n/a	n/a	19.9%	23.8%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	24 0 YoY +1 (+4.3%) QoQ	-35	58	186	482	17%
Assets per Employee ($)	$12.9M +13.9% YoY -2.3% QoQ	+$5.4M	$7.5M	$10.1M	$8.8M	95%
Branch Count	4 0 YoY 0 QoQ	-1	4	12	18	42%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.3%	0.4%	18%
Nonaccrual	n/a	n/a	0.9%	1.0%	1.0%	n/a
Allowance Coverage	76.37x -88.6% YoY -83.9% QoQ	+52.22x	24.15x	18.82x	20.23x	96%
Net Charge-off Rate (YTD)	n/a	n/a	0.1%	0.1%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	23.2% -1.9pp YoY +1.0pp QoQ	+11.0pp	12.2%	13.2%	11.6%	94%
Cost of Funds (YTD)	2.3% -0.1pp YoY 0.0pp QoQ	+0.5pp	1.7%	1.6%	1.7%	82%
Net Income ($, YTD)	$3.5M +3.3% YoY — QoQ	+$917K	$2.6M	$15.9M	$40.4M	75%

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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)

Credit Quality Leader

growth

#127 of 659 • Top 19.1% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.01%

(Tier: 0.92%, National: 0.98%)

better than tier avg

659 of 659 Community banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank improving

Concerns (1)

Credit Quality Pressure

risk

#23 of 1256 • Bottom 1.8% in tier

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

Why this signature

Delinquency Rate: 0.01%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 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 (5 metrics)

190

Efficiency Ratio

profitability

Value: 43.53%

Peer Median: 64.48%

#190 of 2643 Top 7.2% in $100M-$1B

199

Return on Assets

profitability

Value: 2.27%

Peer Median: 1.32%

#199 of 2643 Top 7.5% in $100M-$1B

342

Nonperforming Asset Ratio

credit_quality

Value: 0.01%

Peer Median: 0.67%

#342 of 2643 Top 12.9% in $100M-$1B

384

Delinquency Rate

credit_quality

Value: 0.01%

Peer Median: 0.92%

#384 of 2633 Top 14.5% in $100M-$1B

566

Loan-to-Deposit Ratio

liquidity

Value: 63.47%

Peer Median: 77.95%

#566 of 2643 Top 21.4% in $100M-$1B

Top Weaknesses (2 metrics)

2393

Non-Interest Income / Assets

revenue_mix

Value: 0.07%

Peer Median: 0.57%

#2393 of 2643 Bottom 9.5% in $100M-$1B

2339

Tier 1 Capital Ratio

capital

Value: 10.07%

Peer Median: 15.91%

#2339 of 2643 Bottom 11.5% in $100M-$1B