BlastPoint's Banking Scorecard

The Citizens Bank of Winfield

$100M-$1B Specialty: Other AL FDIC cert 52

Winfield, AL

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 63 in AL.
Deposits +7.3% year over year ($215.2M on the books).
Delinquency rate 0.26%.
Return on assets 0.43%.
Efficiency ratio 66.84% vs a 64.48% peer average.
Loan-to-deposit ratio 52.17% 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 63 in AL

View $100M-$1B leaderboard (AL) →

The Citizens Bank of Winfield has 1 strength but faces 4 concerns

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

+ Delinquency Rate 0.66% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 30.6% in tier
- Net Interest Margin 1.21% below tier average
- ROA 0.89% below tier average
- Efficiency Ratio 2.36% above tier average

Get updates when The Citizens Bank of Winfield releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Total Assets ?	$301.3M +11.0% YoY +2.7% QoQ	-$85.3M	$386.6M +1.2% YoY	$2.5B +1.5% YoY	$6.3B +7.7% YoY	46%
Total Loans ?	$112.3M +21.8% YoY -0.5% QoQ	-$146.1M	$258.3M +1.7% YoY	$1.6B +2.8% YoY	$3.2B +9.4% YoY	23%
Total Deposits ?	$215.2M +7.3% YoY -1.9% QoQ	-$111.6M	$326.7M +0.7% YoY	$2.1B +0.3% YoY	$4.9B +7.3% YoY	38%
Return on Assets ?	0.43% +5.0% YoY -11.9% QoQ	-0.89%	1.32% +10.8% YoY	0.89% -13.0% YoY	1.30% +12.1% YoY	Bottom 10.5% in tier
Net Interest Margin ?	2.78% +23.1% YoY +1.2% QoQ	-1.21%	3.99% +5.0% YoY	4.02% +3.4% YoY	3.95% +4.9% YoY	Bottom 5.8% in tier
Efficiency Ratio ?	66.84% -13.7% YoY -1.0% QoQ	+2.36%	64.48% -3.2% YoY	69.53% +4.0% YoY	70.05% +2.5% YoY	37%
Delinquency Rate ?	0.26% +272.1% YoY +369.9% QoQ	-0.66%	0.92% +15.7% YoY	1.13% +25.5% YoY	0.98% +16.3% YoY	61%
Loan-to-Deposit Ratio ?	52.17% +13.4% YoY +1.5% QoQ	-25.79%	77.95% +1.0% YoY	67.62% +0.9% YoY	79.03% +2.3% YoY	Top 10.1% in tier
Non-Interest-Bearing Deposit Share ?	11.97% -11.2% YoY -3.0% QoQ	-10.06%	22.03% -0.6% YoY	24.04% +0.1% YoY	21.98% -0.6% YoY	Bottom 14.5% in tier
Nonperforming Asset Ratio ?	0.21% +808.1% YoY +772.6% QoQ	-0.45%	0.67% +16.4% YoY	0.74% +25.2% YoY	0.69% +15.8% YoY	59%
Tier 1 Capital Ratio ?	17.51% -5.0% YoY +0.2% QoQ	+1.60%	15.91% +1.4% YoY	15.01% +1.3% YoY	17.09% +0.8% YoY	79%
Non-Interest Income / Assets ?	0.17% -31.3% YoY +114.1% QoQ	-0.40%	0.57% +7.6% YoY	0.35% -14.4% YoY	0.66% +5.2% YoY	41%

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 (AL)	National Avg	Tier Percentile
Noninterest-Bearing	12.0% -1.5pp YoY -0.4pp QoQ	-10.2pp	22.1%	24.0%	22.2%	14%
Brokered Deposits	1.8% -1.8pp YoY -2.8pp QoQ	-6.0pp	7.9%	5.5%	8.5%	28%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
C&I	15.2% +2.0pp YoY -1.5pp QoQ	+3.6pp	11.6%	16.9%	12.5%	76%
CRE	23.3% -3.9pp YoY -1.5pp QoQ	-16.3pp	39.5%	43.5%	41.4%	24%
1-4 Family	34.2% -0.9pp YoY +0.6pp QoQ	+1.5pp	32.6%	30.6%	31.3%	60%
Consumer	19.6% -1.3pp YoY +1.1pp QoQ	+15.5pp	4.1%	5.7%	5.0%	98%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	15.1%	19.7%	n/a
Leverage Ratio	17.5% -0.9pp YoY 0.0pp QoQ	+5.3pp	12.2%	13.2%	12.6%	94%
Total Capital Ratio	n/a	n/a	19.9%	16.2%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Full-Time Employees	35 +1 (+2.9%) YoY 0 QoQ	-24	58	304	482	35%
Assets per Employee ($)	$8.6M +7.8% YoY +2.7% QoQ	+$1.1M	$7.5M	$6.9M	$8.8M	75%
Branch Count	1 0 YoY 0 QoQ	-4	4	20	18	0%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Past Due 90+ Days	0.2%	-0.1pp	0.3%	0.2%	0.4%	65%
Nonaccrual	0.1% 0.0pp YoY 0.0pp QoQ	-0.9pp	0.9%	1.2%	1.0%	13%
Allowance Coverage	4.09x -73.4% YoY -76.2% QoQ	-20.06x	24.15x	7.50x	20.23x	65%
Net Charge-off Rate (YTD)	0.5% +0.2pp YoY +0.1pp QoQ	+0.3pp	0.1%	0.3%	0.2%	93%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
ROE	4.6% -0.4pp YoY -0.7pp QoQ	-7.6pp	12.2%	10.0%	11.6%	12%
Cost of Funds (YTD)	2.9% -0.4pp YoY 0.0pp QoQ	+1.2pp	1.7%	1.7%	1.7%	97%
Net Income ($, YTD)	$636,000 +14.8% YoY — QoQ	-$1.9M	$2.6M	$17.2M	$40.4M	14%

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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)

Credit Quality Pressure

risk

#385 of 1256 • Bottom 30.6% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.26%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ

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 (2 metrics)

268

Loan-to-Deposit Ratio

liquidity

Value: 52.17%

Peer Median: 77.95%

#268 of 2643 Top 10.1% in $100M-$1B

554

Tier 1 Capital Ratio

capital

Value: 17.51%

Peer Median: 15.91%

#554 of 2643 Top 20.9% in $100M-$1B

Top Weaknesses (4 metrics)

2490

Net Interest Margin

profitability

Value: 2.78%

Peer Median: 3.99%

#2490 of 2643 Bottom 5.8% in $100M-$1B

2367

Return on Assets

profitability

Value: 0.43%

Peer Median: 1.32%

#2367 of 2643 Bottom 10.5% in $100M-$1B

2260

Non-Interest-Bearing Deposit Share

funding

Value: 11.97%

Peer Median: 22.03%

#2260 of 2643 Bottom 14.5% in $100M-$1B

2039

Total Loans

size

Value: $112.25M

Peer Median: $258.35M

#2039 of 2643 Bottom 22.9% in $100M-$1B