BlastPoint's Banking Scorecard
Citizens Community Bank
Mascoutah, IL
4 branches across IL
Citizens Community Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 2.75% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.43% below tier average
- - Delinquency Rate 6.56% above tier average
- - Nonperforming Asset Ratio 3.56% above tier average
- - ROA 0.65% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$538.6M
+6.3% YoY
+1.2% QoQ
|
+$152.5M |
$386.1M
+0.5% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
75% |
| Total Loans ? |
$271.0M
+0.0% YoY
-4.0% QoQ
|
+$15.2M |
$255.7M
+1.1% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
63% |
| Total Deposits ? |
$450.3M
+5.6% YoY
+1.7% QoQ
|
+$122.3M |
$328.0M
+0.1% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
75% |
| Return on Assets ? |
0.62%
-24.4% YoY
-10.2% QoQ
|
-0.65% |
1.27%
+12.9% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
17% |
| Net Interest Margin ? |
2.50%
-3.8% YoY
-3.3% QoQ
|
-1.43% |
3.93%
+6.0% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
Bottom 3.2% in tier |
| Efficiency Ratio ? |
62.53%
+7.1% YoY
+3.1% QoQ
|
-2.75% |
65.29%
-4.5% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
52% |
| Delinquency Rate ? |
7.45%
+560.6% YoY
+31.1% QoQ
|
+6.56% |
0.89%
+18.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
Bottom 0.6% in tier |
| Loan-to-Deposit Ratio ? |
60.18%
-5.3% YoY
-5.6% QoQ
|
-16.46% |
76.64%
+0.8% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
81% |
| Non-Interest-Bearing Deposit Share ? |
12.71%
-4.4% YoY
+3.2% QoQ
|
-9.31% |
22.02%
-1.0% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
17% |
| Nonperforming Asset Ratio ? |
4.20%
+595.9% YoY
+39.2% QoQ
|
+3.56% |
0.64%
+19.7% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
Bottom 1.4% in tier |
| Tier 1 Capital Ratio ? |
10.35%
-3.8% YoY
-1.1% QoQ
|
-5.48% |
15.83%
+1.5% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
Bottom 14.4% in tier |
| Non-Interest Income / Assets ? |
0.05%
-13.5% YoY
-76.6% QoQ
|
-0.23% |
0.28%
+9.3% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
21% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.