BlastPoint's Banking Scorecard
Citizens First Bank
Clinton, IA
3 branches across IA
Citizens First Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 0.45% below tier average
Key Concerns
Areas that may need attention
- - Nonperforming Asset Ratio 0.99% above tier average
- - ROA 0.24% below tier average
- - Net Interest Margin 0.82% below tier average
- - Delinquency Rate 1.25% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$359.3M
+9.6% YoY
+0.0% QoQ
|
-$26.8M |
$386.1M
+0.5% YoY
|
$560.1M
+4.8% YoY
|
$6.2B
+9.1% YoY
|
55% |
| Total Loans ? |
$273.8M
+16.6% YoY
+0.3% QoQ
|
+$18.1M |
$255.7M
+1.1% YoY
|
$379.9M
+5.0% YoY
|
$3.2B
+10.8% YoY
|
63% |
| Total Deposits ? |
$288.9M
+9.7% YoY
+3.2% QoQ
|
-$39.0M |
$328.0M
+0.1% YoY
|
$469.6M
+4.4% YoY
|
$4.8B
+8.2% YoY
|
52% |
| Return on Assets ? |
1.03%
+171.0% YoY
+223.4% QoQ
|
-0.24% |
1.27%
+12.9% YoY
|
1.31%
+22.6% YoY
|
1.23%
+13.4% YoY
|
40% |
| Net Interest Margin ? |
3.11%
+31.0% YoY
+10.6% QoQ
|
-0.82% |
3.93%
+6.0% YoY
|
3.52%
+10.3% YoY
|
3.89%
+5.7% YoY
|
Bottom 14.7% in tier |
| Efficiency Ratio ? |
64.83%
-23.1% YoY
-12.1% QoQ
|
-0.45% |
65.29%
-4.5% YoY
|
58.40%
-7.6% YoY
|
66.95%
-4.1% YoY
|
45% |
| Delinquency Rate ? |
2.14%
-7.2% YoY
+4.9% QoQ
|
+1.25% |
0.89%
+18.8% YoY
|
0.92%
+14.5% YoY
|
0.95%
+18.8% YoY
|
Bottom 11.3% in tier |
| Loan-to-Deposit Ratio ? |
94.75%
+6.3% YoY
-2.8% QoQ
|
+18.12% |
76.64%
+0.8% YoY
|
77.40%
+1.1% YoY
|
76.70%
+0.9% YoY
|
16% |
| Non-Interest-Bearing Deposit Share ? |
11.96%
-5.0% YoY
-1.0% QoQ
|
-10.06% |
22.02%
-1.0% YoY
|
17.87%
+0.7% YoY
|
22.01%
-1.2% YoY
|
Bottom 14.8% in tier |
| Nonperforming Asset Ratio ? |
1.63%
-1.2% YoY
+5.2% QoQ
|
+0.99% |
0.64%
+19.7% YoY
|
0.58%
+11.7% YoY
|
0.67%
+19.3% YoY
|
Bottom 9.9% in tier |
| Tier 1 Capital Ratio ? |
9.87%
-1.5% YoY
-1.0% QoQ
|
-5.96% |
15.83%
+1.5% YoY
|
14.34%
+1.8% YoY
|
17.06%
+0.8% YoY
|
Bottom 8.2% in tier |
| Non-Interest Income / Assets ? |
0.13%
+1.8% YoY
-75.6% QoQ
|
-0.15% |
0.28%
+9.3% YoY
|
0.12%
+10.7% YoY
|
0.32%
+4.1% YoY
|
68% |
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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.