BlastPoint's Banking Scorecard

Citizens Community Bank

$100M-$1B Specialty: Commercial IL FDIC cert 33753

Mascoutah, IL

4 branches across IL

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 211 in IL.
Deposits +6.8% year over year ($446.1M on the books).
Delinquency rate 5.98%.
Return on assets -0.30%.
Efficiency ratio 69.95% vs a 64.48% peer average.
Loan-to-deposit ratio 61.21% 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 211 in IL

View $100M-$1B leaderboard (IL) →

Citizens Community Bank faces 7 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 48.4% in tier
- Return on Assets 1.62% below tier average
- Net Interest Margin 1.50% below tier average
- Delinquency Rate 5.06% above tier average
- Nonperforming Asset Ratio 2.80% above tier average
- Non-Interest Income / Assets 0.51% below tier average
- Efficiency Ratio 5.47% above tier average

Get updates when Citizens Community Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$531.0M +6.9% YoY -1.4% QoQ	+$144.5M	$386.6M +1.2% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	74%
Total Loans ?	$273.0M +0.4% YoY +0.8% QoQ	+$14.7M	$258.3M +1.7% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	62%
Total Deposits ?	$446.1M +6.8% YoY -0.9% QoQ	+$119.3M	$326.7M +0.7% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	74%
Return on Assets ?	-0.30% -142.7% YoY -149.0% QoQ	-1.62%	1.32% +10.8% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	Bottom 2.3% in tier
Net Interest Margin ?	2.48% -1.4% YoY -0.6% QoQ	-1.50%	3.99% +5.0% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	Bottom 2.8% in tier
Efficiency Ratio ?	69.95% +11.7% YoY +11.9% QoQ	+5.47%	64.48% -3.2% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	30%
Delinquency Rate ?	5.98% +51.8% YoY -19.8% QoQ	+5.06%	0.92% +15.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	Bottom 1.6% in tier
Loan-to-Deposit Ratio ?	61.21% -6.0% YoY +1.7% QoQ	-16.74%	77.95% +1.0% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	81%
Non-Interest-Bearing Deposit Share ?	12.79% -2.8% YoY +0.6% QoQ	-9.24%	22.03% -0.6% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	17%
Nonperforming Asset Ratio ?	3.47% +61.3% YoY -17.2% QoQ	+2.80%	0.67% +16.4% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	Bottom 2.4% in tier
Tier 1 Capital Ratio ?	9.83% -6.8% YoY -5.0% QoQ	-6.08%	15.91% +1.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	Bottom 8.5% in tier
Non-Interest Income / Assets ?	0.06% -49.0% YoY +15.7% QoQ	-0.51%	0.57% +7.6% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	Bottom 7.9% 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 (IL)	National Avg	Tier Percentile
Noninterest-Bearing	12.8% -0.4pp YoY +0.1pp QoQ	-9.4pp	22.1%	20.1%	22.2%	16%
Brokered Deposits	2.2% -0.2pp YoY 0.0pp QoQ	-5.6pp	7.9%	8.0%	8.5%	32%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
C&I	5.2% -1.0pp YoY +0.1pp QoQ	-6.3pp	11.6%	14.7%	12.5%	21%
CRE	62.4% +2.7pp YoY +1.1pp QoQ	+22.8pp	39.5%	37.9%	41.4%	87%
1-4 Family	21.8% +0.5pp YoY +0.1pp QoQ	-10.9pp	32.6%	28.3%	31.3%	34%
Consumer	0.8% -0.2pp YoY -0.1pp QoQ	-3.3pp	4.1%	5.4%	5.0%	23%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	19.9%	19.7%	n/a
Leverage Ratio	9.8% -0.7pp YoY -0.5pp QoQ	-2.3pp	12.2%	12.2%	12.6%	27%
Total Capital Ratio	n/a	n/a	19.9%	20.9%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	50 -1 (-2.0%) YoY 0 QoQ	-9	58	228	482	53%
Assets per Employee ($)	$10.6M +9.0% YoY -1.4% QoQ	+$3.1M	$7.5M	$8.3M	$8.8M	89%
Branch Count	4 0 YoY 0 QoQ	-1	4	10	18	42%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Past Due 90+ Days	0.2% +0.1pp YoY -2.7pp QoQ	-0.1pp	0.3%	0.4%	0.4%	68%
Nonaccrual	5.8% +1.9pp YoY +1.2pp QoQ	+4.8pp	0.9%	1.1%	1.0%	98%
Allowance Coverage	0.49x +2.0% YoY +99.5% QoQ	-23.66x	24.15x	5.62x	20.23x	10%
Net Charge-off Rate (YTD)	0.9% +0.8pp YoY -0.9pp QoQ	+0.7pp	0.1%	0.1%	0.2%	97%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	-3.3% -11.1pp YoY -10.1pp QoQ	-15.5pp	12.2%	10.5%	11.6%	2%
Cost of Funds (YTD)	2.2% 0.0pp YoY +0.1pp QoQ	+0.5pp	1.7%	1.6%	1.7%	82%
Net Income ($, YTD)	$-807000.0 -145.2% YoY — QoQ	-$3.4M	$2.6M	$11.7M	$40.4M	2%

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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 (1)

Capital Thin

risk

#321 of 661 • Bottom 48.4% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 9.83%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | 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 2643 peers in $100M-$1B

Top Strengths (1 metrics)

494

Loan-to-Deposit Ratio

liquidity

Value: 61.21%

Peer Median: 77.95%

#494 of 2643 Top 18.7% in $100M-$1B

Top Weaknesses (7 metrics)

2591

Delinquency Rate

credit_quality

Value: 5.98%

Peer Median: 0.92%

#2591 of 2633 Bottom 1.6% in $100M-$1B

2584

Return on Assets

profitability

Value: -0.30%

Peer Median: 1.32%

#2584 of 2643 Bottom 2.3% in $100M-$1B

2581

Nonperforming Asset Ratio

credit_quality

Value: 3.47%

Peer Median: 0.67%

#2581 of 2643 Bottom 2.4% in $100M-$1B

2569

Net Interest Margin

profitability

Value: 2.48%

Peer Median: 3.99%

#2569 of 2643 Bottom 2.8% in $100M-$1B

2434

Non-Interest Income / Assets

revenue_mix

Value: 0.06%

Peer Median: 0.57%

#2434 of 2643 Bottom 7.9% in $100M-$1B

2419

Tier 1 Capital Ratio

capital

Value: 9.83%

Peer Median: 15.91%

#2419 of 2643 Bottom 8.5% in $100M-$1B

2204

Non-Interest-Bearing Deposit Share

funding

Value: 12.79%

Peer Median: 22.03%

#2204 of 2643 Bottom 16.6% in $100M-$1B