BlastPoint's Banking Scorecard
Citizens Bank & Trust Company
Saint Paul, NE
3 branches across NE
Citizens Bank & Trust Company has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 15.33% above tier average
- + Delinquency Rate 0.71% below tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 15.8% in tier
- - ROA 0.35% below tier average
- - Net Interest Margin 0.55% below tier average
- - Efficiency Ratio 2.55% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$232.9M
-1.7% YoY
-7.5% QoQ
|
-$153.1M |
$386.1M
+0.5% YoY
|
$791.1M
+6.6% YoY
|
$6.2B
+9.1% YoY
|
34% |
| Total Loans ? |
$150.4M
+5.6% YoY
-4.3% QoQ
|
-$105.3M |
$255.7M
+1.1% YoY
|
$551.6M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
36% |
| Total Deposits ? |
$195.4M
+4.6% YoY
+0.5% QoQ
|
-$132.5M |
$328.0M
+0.1% YoY
|
$661.1M
+6.6% YoY
|
$4.8B
+8.2% YoY
|
33% |
| Return on Assets ? |
0.92%
+43.7% YoY
+14.0% QoQ
|
-0.35% |
1.27%
+12.9% YoY
|
1.36%
+20.0% YoY
|
1.23%
+13.4% YoY
|
33% |
| Net Interest Margin ? |
3.38%
+15.6% YoY
+8.7% QoQ
|
-0.55% |
3.93%
+6.0% YoY
|
3.79%
+6.5% YoY
|
3.89%
+5.7% YoY
|
25% |
| Efficiency Ratio ? |
67.83%
-9.4% YoY
-3.3% QoQ
|
+2.55% |
65.29%
-4.5% YoY
|
60.11%
-6.9% YoY
|
66.95%
-4.1% YoY
|
37% |
| Delinquency Rate ? |
0.18%
-84.5% YoY
-25.2% QoQ
|
-0.71% |
0.89%
+18.8% YoY
|
0.72%
+6.8% YoY
|
0.95%
+18.8% YoY
|
66% |
| Loan-to-Deposit Ratio ? |
76.96%
+0.9% YoY
-4.8% QoQ
|
+0.32% |
76.64%
+0.8% YoY
|
79.63%
+0.4% YoY
|
76.70%
+0.9% YoY
|
53% |
| Non-Interest-Bearing Deposit Share ? |
37.35%
+1.4% YoY
-3.7% QoQ
|
+15.33% |
22.02%
-1.0% YoY
|
17.92%
-1.5% YoY
|
22.01%
-1.2% YoY
|
Top 7.2% in tier |
| Nonperforming Asset Ratio ? |
0.12%
-83.3% YoY
-22.7% QoQ
|
-0.52% |
0.64%
+19.7% YoY
|
0.55%
+6.0% YoY
|
0.67%
+19.3% YoY
|
68% |
| Tier 1 Capital Ratio ? |
11.31%
+3.4% YoY
+3.2% QoQ
|
-4.52% |
15.83%
+1.5% YoY
|
14.10%
+3.9% YoY
|
17.06%
+0.8% YoY
|
27% |
| Non-Interest Income / Assets ? |
0.04%
+5.1% YoY
-74.4% QoQ
|
-0.24% |
0.28%
+9.3% YoY
|
0.12%
+3.0% YoY
|
0.32%
+4.1% YoY
|
Bottom 14.0% in tier |
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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 (1)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.