BlastPoint's Banking Scorecard

Citizens State Bank

$100M-$1B Specialty: Agricultural NE FDIC cert 5495

Wisner, NE

17 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 +8.3% year over year ($592.2M on the books).
Delinquency rate 0.21%.
Return on assets 1.22%.
Efficiency ratio 66.05% vs a 64.48% peer average.
Loan-to-deposit ratio 84.38% 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 81 in NE

View $100M-$1B leaderboard (NE) →

Citizens State Bank has 1 strength but faces 6 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 0.71% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 10.8% in tier
- Credit Risk Growth: Bottom 42.5% in tier
- Non-Interest-Bearing Deposit Share 13.25% below tier average
- ROA 0.11% below tier average
- Net Interest Margin 0.52% below tier average
- Efficiency Ratio 1.57% above tier average

Get updates when Citizens State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Total Assets ?	$653.0M +8.5% YoY -0.1% QoQ	+$266.4M	$386.6M +1.2% YoY	$801.1M +6.7% YoY	$6.3B +7.7% YoY	85%
Total Loans ?	$499.7M +10.8% YoY +1.1% QoQ	+$241.3M	$258.3M +1.7% YoY	$561.8M +6.3% YoY	$3.2B +9.4% YoY	Top 11.3% in tier
Total Deposits ?	$592.2M +8.3% YoY -0.9% QoQ	+$265.5M	$326.7M +0.7% YoY	$663.3M +6.9% YoY	$4.9B +7.3% YoY	Top 12.8% in tier
Return on Assets ?	1.22% +5.9% YoY +1.9% QoQ	-0.11%	1.32% +10.8% YoY	1.39% +16.4% YoY	1.30% +12.1% YoY	48%
Net Interest Margin ?	3.47% +3.0% YoY +2.6% QoQ	-0.52%	3.99% +5.0% YoY	3.85% +5.8% YoY	3.95% +4.9% YoY	26%
Efficiency Ratio ?	66.05% -0.5% YoY +0.9% QoQ	+1.57%	64.48% -3.2% YoY	59.13% -5.1% YoY	70.05% +2.5% YoY	39%
Delinquency Rate ?	0.21% +5.5% YoY +36.6% QoQ	-0.71%	0.92% +15.7% YoY	0.76% -0.0% YoY	0.98% +16.3% YoY	65%
Loan-to-Deposit Ratio ?	84.38% +2.3% YoY +2.1% QoQ	+6.42%	77.95% +1.0% YoY	80.90% +0.2% YoY	79.03% +2.3% YoY	39%
Non-Interest-Bearing Deposit Share ?	8.78% +11.3% YoY -2.6% QoQ	-13.25%	22.03% -0.6% YoY	17.56% -0.6% YoY	21.98% -0.6% YoY	Bottom 8.3% in tier
Nonperforming Asset Ratio ?	0.30% -0.3% YoY +17.1% QoQ	-0.37%	0.67% +16.4% YoY	0.59% +4.7% YoY	0.69% +15.8% YoY	52%
Tier 1 Capital Ratio ?	12.02% -1.5% YoY +1.1% QoQ	-3.89%	15.91% +1.4% YoY	14.05% +0.1% YoY	17.09% +0.8% YoY	36%
Non-Interest Income / Assets ?	0.13% +1.9% YoY +89.3% QoQ	-0.43%	0.57% +7.6% YoY	0.24% +7.2% YoY	0.66% +5.2% YoY	29%

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	8.8% +0.9pp YoY -0.2pp QoQ	-13.4pp	22.1%	17.6%	22.2%	8%
Brokered Deposits	9.6% +1.4pp YoY +0.5pp QoQ	+1.8pp	7.9%	8.9%	8.5%	74%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
C&I	6.0% -0.2pp YoY -0.6pp QoQ	-5.6pp	11.6%	12.3%	12.5%	25%
CRE	11.9% -0.3pp YoY +0.6pp QoQ	-27.6pp	39.5%	32.3%	41.4%	7%
1-4 Family	10.3% -0.4pp YoY -0.3pp QoQ	-22.3pp	32.6%	16.9%	31.3%	11%
Consumer	0.7% 0.0pp YoY 0.0pp QoQ	-3.4pp	4.1%	3.1%	5.0%	21%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
CET1 Ratio	12.0% -0.2pp YoY +0.1pp QoQ	-6.8pp	18.8%	16.1%	19.7%	17%
Leverage Ratio	10.1% -0.1pp YoY 0.0pp QoQ	-2.1pp	12.2%	12.1%	12.6%	33%
Total Capital Ratio	13.3% -0.2pp YoY +0.1pp QoQ	-6.7pp	19.9%	17.3%	20.8%	19%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Full-Time Employees	80 -1 (-1.2%) YoY +1 (+1.3%) QoQ	+21	58	98	482	77%
Assets per Employee ($)	$8.2M +9.9% YoY -1.3% QoQ	+$644K	$7.5M	$8.5M	$8.8M	70%
Branch Count	17 0 YoY 0 QoQ	+12	4	7	18	99%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.4%	0.4%	n/a
Nonaccrual	0.2% +0.1pp YoY +0.1pp QoQ	-0.7pp	0.9%	0.8%	1.0%	30%
Allowance Coverage	7.09x -15.9% YoY -27.6% QoQ	-17.06x	24.15x	31.69x	20.23x	77%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	48%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
ROE	14.2% +0.4pp YoY 0.0pp QoQ	+2.0pp	12.2%	12.3%	11.6%	63%
Cost of Funds (YTD)	2.3% -0.4pp YoY 0.0pp QoQ	+0.6pp	1.7%	1.9%	1.7%	85%
Net Income ($, YTD)	$3.9M +14.2% YoY — QoQ	+$1.4M	$2.6M	$6.1M	$40.4M	80%

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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 (2)

Credit Quality Pressure

risk

#137 of 1256 • Bottom 10.8% in tier

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

Why this signature

Delinquency Rate: 0.21%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ

Credit Risk Growth

risk

#399 of 936 • Bottom 42.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 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 (3 metrics)

300

Total Loans

size

Value: $499.66M

Peer Median: $258.35M

#300 of 2643 Top 11.3% in $100M-$1B

338

Total Deposits

size

Value: $592.19M

Peer Median: $326.73M

#338 of 2643 Top 12.8% in $100M-$1B

408

Total Assets

size

Value: $652.99M

Peer Median: $386.57M

#408 of 2643 Top 15.4% in $100M-$1B

Top Weaknesses (1 metrics)

2425

Non-Interest-Bearing Deposit Share

funding

Value: 8.78%

Peer Median: 22.03%

#2425 of 2643 Bottom 8.3% in $100M-$1B