BlastPoint

BlastPoint's Banking Scorecard

Citizens State Bank

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

Wisner, NE

17 branches across NE

2664 banks in the $100M-$1B peer group nationally 82 in NE
View $100M-$1B leaderboard (NE) →

Citizens State Bank 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 0.74% below tier average

Key Concerns

Areas that may need attention

  • - Non-Interest-Bearing Deposit Share 13.00% below tier average
  • - ROA 0.07% below tier average
  • - Net Interest Margin 0.55% below tier average
  • - Efficiency Ratio 0.15% above tier average
Get updates when Citizens State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Total Assets ? $653.5M
+5.9% YoY +2.0% QoQ
+$267.4M $386.1M
+0.5% YoY
$791.1M
+6.6% YoY
$6.2B
+9.1% YoY
85%
Total Loans ? $494.1M
+11.1% YoY +0.5% QoQ
+$238.4M $255.7M
+1.1% YoY
$551.6M
+6.9% YoY
$3.2B
+10.8% YoY
Top 11.7% in tier
Total Deposits ? $597.7M
+6.4% YoY +3.3% QoQ
+$269.7M $328.0M
+0.1% YoY
$661.1M
+6.6% YoY
$4.8B
+8.2% YoY
Top 12.5% in tier
Return on Assets ? 1.19%
+11.4% YoY +0.2% QoQ
-0.07% 1.27%
+12.9% YoY
1.36%
+20.0% YoY
1.23%
+13.4% YoY
49%
Net Interest Margin ? 3.38%
+5.2% YoY -1.0% QoQ
-0.55% 3.93%
+6.0% YoY
3.79%
+6.5% YoY
3.89%
+5.7% YoY
25%
Efficiency Ratio ? 65.44%
-2.9% YoY -0.3% QoQ
+0.15% 65.29%
-4.5% YoY
60.11%
-6.9% YoY
66.95%
-4.1% YoY
43%
Delinquency Rate ? 0.15%
-55.7% YoY -4.4% QoQ
-0.74% 0.89%
+18.8% YoY
0.72%
+6.8% YoY
0.95%
+18.8% YoY
68%
Loan-to-Deposit Ratio ? 82.66%
+4.5% YoY -2.8% QoQ
+6.03% 76.64%
+0.8% YoY
79.63%
+0.4% YoY
76.70%
+0.9% YoY
40%
Non-Interest-Bearing Deposit Share ? 9.02%
+8.7% YoY -1.5% QoQ
-13.00% 22.02%
-1.0% YoY
17.92%
-1.5% YoY
22.01%
-1.2% YoY
Bottom 9.0% in tier
Nonperforming Asset Ratio ? 0.26%
-35.2% YoY -3.8% QoQ
-0.38% 0.64%
+19.7% YoY
0.55%
+6.0% YoY
0.67%
+19.3% YoY
54%
Tier 1 Capital Ratio ? 11.89%
-1.4% YoY +0.2% QoQ
-3.94% 15.83%
+1.5% YoY
14.10%
+3.9% YoY
17.06%
+0.8% YoY
34%
Non-Interest Income / Assets ? 0.07%
-4.1% YoY -72.7% QoQ
-0.21% 0.28%
+9.3% YoY
0.12%
+3.0% YoY
0.32%
+4.1% YoY
32%

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 (0)

No matched concern signatures this quarter

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).
Comparing against 2664 peers in $100M-$1B

Top Strengths (3 metrics)

312
Total Loans
size
Value: $494.08M
Peer Median: $255.72M
#312 of 2664 Top 11.7% in $100M-$1B
335
Total Deposits
size
Value: $597.70M
Peer Median: $327.97M
#335 of 2664 Top 12.5% in $100M-$1B
406
Total Assets
size
Value: $653.53M
Peer Median: $386.08M
#406 of 2664 Top 15.2% in $100M-$1B

Top Weaknesses (1 metrics)

2424
Non-Interest-Bearing Deposit Share
funding
Value: 9.02%
Peer Median: 22.02%
#2424 of 2664 Bottom 9.0% in $100M-$1B
Powered by BlastPoint © 2026