BlastPoint's Banking Scorecard
Citizens Bank of Kansas
Kingman, KS
11 branches across KS
Citizens Bank of Kansas has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.84% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.32% below tier average
- - Net Interest Margin 0.63% below tier average
- - Efficiency Ratio 7.34% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$543.9M
+6.5% YoY
+3.1% QoQ
|
+$157.9M |
$386.1M
+0.5% YoY
|
$509.2M
+7.2% YoY
|
$6.2B
+9.1% YoY
|
76% |
| Total Loans ? |
$235.3M
-0.9% YoY
-2.0% QoQ
|
-$20.4M |
$255.7M
+1.1% YoY
|
$338.5M
+8.8% YoY
|
$3.2B
+10.8% YoY
|
57% |
| Total Deposits ? |
$497.5M
+5.9% YoY
+4.0% QoQ
|
+$169.5M |
$328.0M
+0.1% YoY
|
$424.4M
+7.3% YoY
|
$4.8B
+8.2% YoY
|
79% |
| Return on Assets ? |
0.95%
+21.8% YoY
+10.7% QoQ
|
-0.32% |
1.27%
+12.9% YoY
|
1.40%
+19.8% YoY
|
1.23%
+13.4% YoY
|
34% |
| Net Interest Margin ? |
3.30%
+3.2% YoY
+0.4% QoQ
|
-0.63% |
3.93%
+6.0% YoY
|
3.92%
+4.5% YoY
|
3.89%
+5.7% YoY
|
22% |
| Efficiency Ratio ? |
72.63%
-6.1% YoY
-4.1% QoQ
|
+7.34% |
65.29%
-4.5% YoY
|
62.29%
-5.0% YoY
|
66.95%
-4.1% YoY
|
27% |
| Delinquency Rate ? |
0.05%
-60.4% YoY
+40.6% QoQ
|
-0.84% |
0.89%
+18.8% YoY
|
0.77%
+10.4% YoY
|
0.95%
+18.8% YoY
|
80% |
| Loan-to-Deposit Ratio ? |
47.30%
-6.4% YoY
-5.8% QoQ
|
-29.34% |
76.64%
+0.8% YoY
|
71.79%
+1.2% YoY
|
76.70%
+0.9% YoY
|
Top 7.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
22.32%
-0.1% YoY
+3.6% QoQ
|
+0.30% |
22.02%
-1.0% YoY
|
22.83%
-2.0% YoY
|
22.01%
-1.2% YoY
|
56% |
| Nonperforming Asset Ratio ? |
0.06%
-0.3% YoY
+24.2% QoQ
|
-0.58% |
0.64%
+19.7% YoY
|
0.51%
+12.5% YoY
|
0.67%
+19.3% YoY
|
77% |
| Tier 1 Capital Ratio ? |
15.20%
+5.0% YoY
+1.8% QoQ
|
-0.63% |
15.83%
+1.5% YoY
|
17.98%
-0.9% YoY
|
17.06%
+0.8% YoY
|
67% |
| Non-Interest Income / Assets ? |
0.15%
-12.1% YoY
-77.1% QoQ
|
-0.13% |
0.28%
+9.3% YoY
|
0.28%
-1.8% YoY
|
0.32%
+4.1% YoY
|
75% |
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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.