BlastPoint's Banking Scorecard

Citizens National Bank of Crosbyton

under $100M Specialty: Agricultural TX FDIC cert 3158

Designations: ✓ Community bank

Crosbyton, TX

541 banks in the under $100M peer group nationally 38 in TX

Citizens National Bank of Crosbyton has 4 strengths but faces 1 concern

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

+ Return on Assets 1.45% above tier average
+ Efficiency Ratio 51.41% below tier average
+ Delinquency Rate 1.37% below tier average
+ Nonperforming Asset Ratio 0.79% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.37% below tier average

Get updates when Citizens National Bank of Crosbyton releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$77.9M +11.7% YoY +0.8% QoQ	+$15.7M	$62.2M -0.6% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	68%
Total Loans ?	$23.3M +22.8% YoY -10.7% QoQ	-$11.0M	$34.2M -1.4% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	34%
Total Deposits ?	$64.3M +12.9% YoY +0.9% QoQ	+$12.6M	$51.7M -0.7% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	65%
Return on Assets ?	2.29% -3.7% YoY +6.8% QoQ	+1.45%	0.84% -2.3% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	Top 6.3% in tier
Net Interest Margin ?	3.49% -2.2% YoY -4.3% QoQ	-0.37%	3.86% +2.8% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	30%
Efficiency Ratio ?	36.93% -0.8% YoY -10.3% QoQ	-51.41%	88.34% +0.3% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	Top 2.2% in tier
Delinquency Rate ?	0.00%	-1.37%	1.37% +33.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	36.20% +8.8% YoY -11.5% QoQ	-28.01%	64.22% -0.7% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	Top 13.3% in tier
Non-Interest-Bearing Deposit Share ?	26.61% +2.8% YoY +0.2% QoQ	+2.90%	23.71% +0.3% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	61%
Nonperforming Asset Ratio ?	0.00%	-0.79%	0.79% +28.2% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	16.73% -4.6% YoY -0.2% QoQ	-9.96%	26.68% +2.0% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	57%
Non-Interest Income / Assets ?	0.07% -35.0% YoY -77.0% QoQ	-0.60%	0.67% +1.9% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	55%

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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 (0)

No matched concern signatures this quarter

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 541 peers in under $100M

Top Strengths (5 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 1.37%

#1 of 521 Top 0.1% in under $100M

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.79%

#1 of 541 Top 0.1% in under $100M

Efficiency Ratio

profitability

Value: 36.93%

Peer Median: 88.34%

#13 of 541 Top 2.2% in under $100M

Return on Assets

profitability

Value: 2.29%

Peer Median: 0.84%

#35 of 541 Top 6.3% in under $100M

Loan-to-Deposit Ratio

liquidity

Value: 36.20%

Peer Median: 64.22%

#73 of 541 Top 13.3% in under $100M

Top Weaknesses (0 metrics)

No weakness rankings available