BlastPoint's Banking Scorecard

Citizens Bank

$100M-$1B Specialty: Other MS FDIC cert 324

Columbia, MS

8 branches across MS

2664 banks in the $100M-$1B peer group nationally 42 in MS

Citizens Bank has 5 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

+ Profitability Leader: Top 16.8% in tier
+ Revenue Diversifier: Top 21.6% in tier
+ Deposit Franchise: Top 36.0% in tier
+ Efficiency Ratio 8.67% below tier average
+ Delinquency Rate 0.53% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 47.1% in tier

Get updates when Citizens Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Total Assets ?	$486.2M +2.4% YoY +3.4% QoQ	+$100.1M	$386.1M +0.5% YoY	$2.3B +11.5% YoY	$6.2B +9.1% YoY	71%
Total Loans ?	$294.8M -1.3% YoY -0.6% QoQ	+$39.1M	$255.7M +1.1% YoY	$1.5B +13.2% YoY	$3.2B +10.8% YoY	67%
Total Deposits ?	$423.3M +1.7% YoY +4.6% QoQ	+$95.3M	$328.0M +0.1% YoY	$1.9B +10.5% YoY	$4.8B +8.2% YoY	72%
Return on Assets ?	2.33% +24.7% YoY +14.0% QoQ	+1.06%	1.27% +12.9% YoY	1.16% +5.3% YoY	1.23% +13.4% YoY	Top 6.6% in tier
Net Interest Margin ?	5.00% +6.4% YoY +0.8% QoQ	+1.07%	3.93% +6.0% YoY	3.97% +6.6% YoY	3.89% +5.7% YoY	Top 7.2% in tier
Efficiency Ratio ?	56.62% -7.0% YoY -7.4% QoQ	-8.67%	65.29% -4.5% YoY	67.65% -1.2% YoY	66.95% -4.1% YoY	69%
Delinquency Rate ?	0.35% -28.5% YoY -42.3% QoQ	-0.53%	0.89% +18.8% YoY	1.06% +2.0% YoY	0.95% +18.8% YoY	54%
Loan-to-Deposit Ratio ?	69.64% -3.0% YoY -4.9% QoQ	-7.00%	76.64% +0.8% YoY	70.20% +3.2% YoY	76.70% +0.9% YoY	68%
Non-Interest-Bearing Deposit Share ?	34.47% +3.8% YoY +3.1% QoQ	+12.45%	22.02% -1.0% YoY	22.68% -1.8% YoY	22.01% -1.2% YoY	Top 10.7% in tier
Nonperforming Asset Ratio ?	0.26% -27.0% YoY -37.4% QoQ	-0.38%	0.64% +19.7% YoY	0.74% +0.7% YoY	0.67% +19.3% YoY	54%
Tier 1 Capital Ratio ?	20.90% +3.4% YoY -3.3% QoQ	+5.07%	15.83% +1.5% YoY	13.90% -1.0% YoY	17.06% +0.8% YoY	Top 11.7% in tier
Non-Interest Income / Assets ?	0.23% -1.1% YoY -75.3% QoQ	-0.05%	0.28% +9.3% YoY	0.17% -9.5% YoY	0.32% +4.1% YoY	Top 10.2% in tier

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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 (3)

Profitability Leader

growth

#113 of 666 • Top 16.8% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.33%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Revenue Diversifier

growth

#145 of 666 • Top 21.6% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.23%

(Tier: 0.28%, National: 0.32%)

but worse than tier avg

Return on Assets: 2.33%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Deposit Franchise

growth

#99 of 272 • Top 36.0% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 34.47%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 5.00%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank improving

Concerns (1)

Liquidity Overhang

risk

#349 of 739 • Bottom 47.1% 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: 20.90%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 69.64%

(Tier: 76.64%, National: 76.70%)

better than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 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 2664 peers in $100M-$1B

Top Strengths (5 metrics)

177

Return on Assets

profitability

Value: 2.33%

Peer Median: 1.27%

#177 of 2664 Top 6.6% in $100M-$1B

194

Net Interest Margin

profitability

Value: 5.00%

Peer Median: 3.93%

#194 of 2664 Top 7.2% in $100M-$1B

272

Non-Interest Income / Assets

revenue_mix

Value: 0.23%

Peer Median: 0.28%

#272 of 2664 Top 10.2% in $100M-$1B

285

Non-Interest-Bearing Deposit Share

funding

Value: 34.47%

Peer Median: 22.02%

#285 of 2664 Top 10.7% in $100M-$1B

312

Tier 1 Capital Ratio

capital

Value: 20.90%

Peer Median: 15.83%

#312 of 2664 Top 11.7% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available