BlastPoint's Banking Scorecard
The Citizens Bank of Winfield
Winfield, AL
The Citizens Bank of Winfield has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.83% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.19% below tier average
- - ROA 0.78% below tier average
- - Efficiency Ratio 2.20% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$293.4M
+8.2% YoY
-0.4% QoQ
|
-$92.6M |
$386.1M
+0.5% YoY
|
$2.5B
+0.2% YoY
|
$6.2B
+9.1% YoY
|
45% |
| Total Loans ? |
$112.8M
+24.7% YoY
+1.3% QoQ
|
-$143.0M |
$255.7M
+1.1% YoY
|
$1.5B
+2.4% YoY
|
$3.2B
+10.8% YoY
|
24% |
| Total Deposits ? |
$219.4M
+0.6% YoY
-0.8% QoQ
|
-$108.5M |
$328.0M
+0.1% YoY
|
$2.1B
-0.2% YoY
|
$4.8B
+8.2% YoY
|
38% |
| Return on Assets ? |
0.49%
+106.3% YoY
+1.5% QoQ
|
-0.78% |
1.27%
+12.9% YoY
|
0.78%
-19.5% YoY
|
1.23%
+13.4% YoY
|
Bottom 12.8% in tier |
| Net Interest Margin ? |
2.74%
+29.1% YoY
+11.0% QoQ
|
-1.19% |
3.93%
+6.0% YoY
|
3.99%
+5.2% YoY
|
3.89%
+5.7% YoY
|
Bottom 6.0% in tier |
| Efficiency Ratio ? |
67.49%
-20.5% YoY
-4.3% QoQ
|
+2.20% |
65.29%
-4.5% YoY
|
72.13%
+5.1% YoY
|
66.95%
-4.1% YoY
|
38% |
| Delinquency Rate ? |
0.05%
-94.6% YoY
-74.6% QoQ
|
-0.83% |
0.89%
+18.8% YoY
|
1.09%
+24.8% YoY
|
0.95%
+18.8% YoY
|
79% |
| Loan-to-Deposit Ratio ? |
51.39%
+23.9% YoY
+2.1% QoQ
|
-25.25% |
76.64%
+0.8% YoY
|
67.08%
+2.0% YoY
|
76.70%
+0.9% YoY
|
Top 10.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
12.34%
-0.2% YoY
+5.9% QoQ
|
-9.68% |
22.02%
-1.0% YoY
|
23.89%
+0.0% YoY
|
22.01%
-1.2% YoY
|
16% |
| Nonperforming Asset Ratio ? |
0.02%
-93.1% YoY
-71.2% QoQ
|
-0.61% |
0.64%
+19.7% YoY
|
0.71%
+24.8% YoY
|
0.67%
+19.3% YoY
|
82% |
| Tier 1 Capital Ratio ? |
17.48%
-4.7% YoY
-1.2% QoQ
|
+1.65% |
15.83%
+1.5% YoY
|
16.96%
+13.8% YoY
|
17.06%
+0.8% YoY
|
79% |
| Non-Interest Income / Assets ? |
0.08%
-8.7% YoY
-80.9% QoQ
|
-0.20% |
0.28%
+9.3% YoY
|
0.16%
-16.3% YoY
|
0.32%
+4.1% YoY
|
38% |
Get Full Access to The Citizens Bank of Winfield
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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.