BlastPoint's Banking Scorecard
Citizens Bank & Trust Company
Saint Paul, NE
3 branches across NE
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 81 in NE.
- Deposits +4.1% year over year ($199.8M on the books).
- Delinquency rate 2.45%.
- Return on assets 0.89%.
- Efficiency ratio 68.51% vs a 64.48% peer average.
- Loan-to-deposit ratio 80.14% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Citizens Bank & Trust Company has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 17.95% above tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.53% above tier average
- - ROA 0.43% below tier average
- - Net Interest Margin 0.66% below tier average
- - Efficiency Ratio 4.03% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$242.3M
+2.6% YoY
+4.0% QoQ
|
-$144.3M |
$386.6M
+1.2% YoY
|
$801.1M
+6.7% YoY
|
$6.3B
+7.7% YoY
|
35% |
| Total Loans ? |
$160.1M
+9.9% YoY
+6.4% QoQ
|
-$98.2M |
$258.3M
+1.7% YoY
|
$561.8M
+6.3% YoY
|
$3.2B
+9.4% YoY
|
38% |
| Total Deposits ? |
$199.8M
+4.1% YoY
+2.2% QoQ
|
-$126.9M |
$326.7M
+0.7% YoY
|
$663.3M
+6.9% YoY
|
$4.9B
+7.3% YoY
|
34% |
| Return on Assets ? |
0.89%
+20.8% YoY
-3.0% QoQ
|
-0.43% |
1.32%
+10.8% YoY
|
1.39%
+16.4% YoY
|
1.30%
+12.1% YoY
|
28% |
| Net Interest Margin ? |
3.32%
+9.2% YoY
-1.8% QoQ
|
-0.66% |
3.99%
+5.0% YoY
|
3.85%
+5.8% YoY
|
3.95%
+4.9% YoY
|
21% |
| Efficiency Ratio ? |
68.51%
-5.3% YoY
+1.0% QoQ
|
+4.03% |
64.48%
-3.2% YoY
|
59.13%
-5.1% YoY
|
70.05%
+2.5% YoY
|
33% |
| Delinquency Rate ? |
2.45%
+79.1% YoY
|
+1.53% |
0.92%
+15.7% YoY
|
0.76%
-0.0% YoY
|
0.98%
+16.3% YoY
|
Bottom 9.1% in tier |
| Loan-to-Deposit Ratio ? |
80.14%
+5.6% YoY
+4.1% QoQ
|
+2.19% |
77.95%
+1.0% YoY
|
80.90%
+0.2% YoY
|
79.03%
+2.3% YoY
|
49% |
| Non-Interest-Bearing Deposit Share ? |
39.98%
+2.3% YoY
+7.0% QoQ
|
+17.95% |
22.03%
-0.6% YoY
|
17.56%
-0.6% YoY
|
21.98%
-0.6% YoY
|
Top 4.7% in tier |
| Nonperforming Asset Ratio ? |
1.62%
+91.8% YoY
|
+0.95% |
0.67%
+16.4% YoY
|
0.59%
+4.7% YoY
|
0.69%
+15.8% YoY
|
Bottom 10.6% in tier |
| Tier 1 Capital Ratio ? |
11.45%
+3.3% YoY
+1.3% QoQ
|
-4.46% |
15.91%
+1.4% YoY
|
14.05%
+0.1% YoY
|
17.09%
+0.8% YoY
|
28% |
| Non-Interest Income / Assets ? |
0.08%
+0.6% YoY
+100.5% QoQ
|
-0.49% |
0.57%
+7.6% YoY
|
0.24%
+7.2% YoY
|
0.66%
+5.2% YoY
|
Bottom 13.3% in tier |
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 (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
40.0%
+0.9pp YoY +2.6pp QoQ |
+17.8pp | 22.1% | 17.6% | 22.2% | 95% |
| Brokered Deposits |
17.1%
+2.8pp YoY +3.4pp QoQ |
+9.3pp | 7.9% | 8.9% | 8.5% | 88% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
10.6%
+0.1pp YoY +0.8pp QoQ |
-1.0pp | 11.6% | 12.3% | 12.5% | 56% |
| CRE |
9.4%
-0.5pp YoY -0.1pp QoQ |
-30.1pp | 39.5% | 32.3% | 41.4% | 4% |
| 1-4 Family |
14.0%
+1.4pp YoY +0.2pp QoQ |
-18.6pp | 32.6% | 16.9% | 31.3% | 17% |
| Consumer |
1.1%
-0.1pp YoY -0.1pp QoQ |
-3.0pp | 4.1% | 3.1% | 5.0% | 32% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 16.1% | 19.7% | n/a |
| Leverage Ratio |
11.4%
+0.4pp YoY +0.1pp QoQ |
-0.7pp | 12.2% | 12.1% | 12.6% | 57% |
| Total Capital Ratio | n/a | n/a | 19.9% | 17.3% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
34
+1 (+3.0%) YoY 0 QoQ |
-25 | 58 | 98 | 482 | 33% |
| Assets per Employee ($) |
$7.1M
-0.4% YoY +4.0% QoQ |
-$392K | $7.5M | $8.5M | $8.8M | 54% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 7 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
2.4%
+1.0pp YoY +2.2pp QoQ |
+2.1pp | 0.3% | 0.4% | 0.4% | 98% |
| Nonaccrual | 0.1% | -0.9pp | 0.9% | 0.8% | 1.0% | 15% |
| Allowance Coverage |
0.35x
-49.2% YoY -93.0% QoQ |
-23.80x | 24.15x | 31.69x | 20.23x | 5% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 37% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.3%
+0.6pp YoY -0.3pp QoQ |
-2.9pp | 12.2% | 12.3% | 11.6% | 32% |
| Cost of Funds (YTD) |
2.0%
-0.3pp YoY 0.0pp QoQ |
+0.2pp | 1.7% | 1.9% | 1.7% | 68% |
| Net Income ($, YTD) |
$1.1M
+21.7% YoY — QoQ |
-$1.5M | $2.6M | $6.1M | $40.4M | 29% |
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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.