BlastPoint's Banking Scorecard
Citizens Bank of Kansas
Kingman, KS
11 branches across KS
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 117 in KS.
- Deposits +5.8% year over year ($498.6M on the books).
- Delinquency rate 0.02%.
- Return on assets 1.01%.
- Efficiency ratio 71.48% vs a 64.48% peer average.
- Loan-to-deposit ratio 47.44% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Citizens Bank of Kansas has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.90% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.31% below tier average
- - Net Interest Margin 0.64% below tier average
- - Efficiency Ratio 7.00% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$548.4M
+6.9% YoY
+0.8% QoQ
|
+$161.9M |
$386.6M
+1.2% YoY
|
$513.9M
+7.1% YoY
|
$6.3B
+7.7% YoY
|
76% |
| Total Loans ? |
$236.5M
-2.1% YoY
+0.5% QoQ
|
-$21.8M |
$258.3M
+1.7% YoY
|
$343.7M
+7.8% YoY
|
$3.2B
+9.4% YoY
|
56% |
| Total Deposits ? |
$498.6M
+5.8% YoY
+0.2% QoQ
|
+$171.9M |
$326.7M
+0.7% YoY
|
$426.3M
+7.4% YoY
|
$4.9B
+7.3% YoY
|
80% |
| Return on Assets ? |
1.01%
+15.9% YoY
+6.6% QoQ
|
-0.31% |
1.32%
+10.8% YoY
|
1.56%
+14.6% YoY
|
1.30%
+12.1% YoY
|
34% |
| Net Interest Margin ? |
3.34%
+3.3% YoY
+1.3% QoQ
|
-0.64% |
3.99%
+5.0% YoY
|
3.99%
+4.5% YoY
|
3.95%
+4.9% YoY
|
21% |
| Efficiency Ratio ? |
71.48%
-5.0% YoY
-1.6% QoQ
|
+7.00% |
64.48%
-3.2% YoY
|
60.13%
-4.7% YoY
|
70.05%
+2.5% YoY
|
27% |
| Delinquency Rate ? |
0.02%
-73.3% YoY
-56.0% QoQ
|
-0.90% |
0.92%
+15.7% YoY
|
0.82%
+9.9% YoY
|
0.98%
+16.3% YoY
|
84% |
| Loan-to-Deposit Ratio ? |
47.44%
-7.4% YoY
+0.3% QoQ
|
-30.51% |
77.95%
+1.0% YoY
|
72.94%
+0.4% YoY
|
79.03%
+2.3% YoY
|
Top 7.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
22.25%
+0.9% YoY
-0.3% QoQ
|
+0.22% |
22.03%
-0.6% YoY
|
22.01%
-1.4% YoY
|
21.98%
-0.6% YoY
|
56% |
| Nonperforming Asset Ratio ? |
0.04%
-40.3% YoY
-28.0% QoQ
|
-0.63% |
0.67%
+16.4% YoY
|
0.53%
+8.8% YoY
|
0.69%
+15.8% YoY
|
80% |
| Tier 1 Capital Ratio ? |
15.01%
+3.6% YoY
-1.2% QoQ
|
-0.90% |
15.91%
+1.4% YoY
|
17.75%
-1.2% YoY
|
17.09%
+0.8% YoY
|
66% |
| Non-Interest Income / Assets ? |
0.31%
-17.6% YoY
+97.4% QoQ
|
-0.26% |
0.57%
+7.6% YoY
|
0.59%
-1.1% YoY
|
0.66%
+5.2% YoY
|
73% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
22.3%
+0.2pp YoY -0.1pp QoQ |
+0.1pp | 22.1% | 22.3% | 22.2% | 55% |
| Brokered Deposits | n/a | n/a | 7.9% | 8.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
4.9%
-0.2pp YoY +0.2pp QoQ |
-6.6pp | 11.6% | 12.6% | 12.5% | 20% |
| CRE |
28.6%
-1.5pp YoY -0.7pp QoQ |
-10.9pp | 39.5% | 28.8% | 41.4% | 32% |
| 1-4 Family |
39.8%
0.0pp YoY -1.0pp QoQ |
+7.2pp | 32.6% | 26.7% | 31.3% | 70% |
| Consumer |
1.5%
+0.1pp YoY 0.0pp QoQ |
-2.6pp | 4.1% | 4.6% | 5.0% | 38% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
15.0%
+0.5pp YoY -0.2pp QoQ |
-3.8pp | 18.8% | 23.3% | 19.7% | 49% |
| Leverage Ratio |
8.5%
-0.2pp YoY -0.1pp QoQ |
-3.6pp | 12.2% | 12.6% | 12.6% | 6% |
| Total Capital Ratio |
15.8%
+0.5pp YoY -0.2pp QoQ |
-4.1pp | 19.9% | 24.4% | 20.8% | 46% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
96
+1 (+1.1%) YoY +4 (+4.3%) QoQ |
+37 | 58 | 70 | 482 | 85% |
| Assets per Employee ($) |
$5.7M
+5.8% YoY -3.4% QoQ |
-$1.8M | $7.5M | $7.1M | $8.8M | 27% |
| Branch Count |
11
0 YoY 0 QoQ |
+6 | 4 | 6 | 18 | 93% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY |
-0.3pp | 0.3% | 0.4% | 0.4% | 10% |
| Nonaccrual |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.9pp | 0.9% | 0.8% | 1.0% | 5% |
| Allowance Coverage |
50.84x
+279.0% YoY +123.5% QoQ |
+26.69x | 24.15x | 22.44x | 20.23x | 94% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 51% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
16.7%
-3.4pp YoY +0.9pp QoQ |
+4.5pp | 12.2% | 14.3% | 11.6% | 76% |
| Cost of Funds (YTD) |
1.2%
-0.2pp YoY 0.0pp QoQ |
-0.5pp | 1.7% | 1.6% | 1.7% | 18% |
| Net Income ($, YTD) |
$2.7M
+24.1% YoY — QoQ |
+$168K | $2.6M | $3.7M | $40.4M | 66% |
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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.