BlastPoint's Banking Scorecard
Citizens Bank and Trust
Designations: ✓ Community bank
Frostproof, FL
17 branches across FL
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 885 banks in the $1B-$10B peer group nationwide — 1 of 24 in FL.
- Deposits +5.1% year over year ($1.4B on the books).
- Delinquency rate 0.36%.
- Return on assets 1.43%.
- Efficiency ratio 65.63% vs a 59.73% peer average.
- Loan-to-deposit ratio 62.55% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Citizens Bank and Trust has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 22.48% below tier average
- + Delinquency Rate 0.51% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.62% below tier average
- - Efficiency Ratio 5.90% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.5B
+6.2% YoY
+0.3% QoQ
|
-$1.3B |
$2.8B
-0.6% YoY
|
$4.3B
+7.0% YoY
|
$6.3B
+7.7% YoY
|
34% |
| Total Loans ? |
$874.4M
+5.6% YoY
+3.7% QoQ
|
-$1.1B |
$2.0B
-0.3% YoY
|
$3.0B
+8.2% YoY
|
$3.2B
+9.4% YoY
|
21% |
| Total Deposits ? |
$1.4B
+5.1% YoY
+0.1% QoQ
|
-$921.0M |
$2.3B
-0.5% YoY
|
$3.5B
+7.0% YoY
|
$4.9B
+7.3% YoY
|
41% |
| Return on Assets ? |
1.43%
+44.8% YoY
-2.0% QoQ
|
+0.04% |
1.39%
+17.0% YoY
|
0.62%
-8.3% YoY
|
1.30%
+12.1% YoY
|
66% |
| Net Interest Margin ? |
3.25%
+5.0% YoY
+1.1% QoQ
|
-0.62% |
3.87%
+6.2% YoY
|
3.70%
+0.5% YoY
|
3.95%
+4.9% YoY
|
24% |
| Efficiency Ratio ? |
65.63%
-4.1% YoY
-3.5% QoQ
|
+5.90% |
59.73%
-12.6% YoY
|
199.20%
+161.3% YoY
|
70.05%
+2.5% YoY
|
30% |
| Delinquency Rate ? |
0.36%
-59.7% YoY
-5.6% QoQ
|
-0.51% |
0.87%
+11.7% YoY
|
0.61%
-2.0% YoY
|
0.98%
+16.3% YoY
|
64% |
| Loan-to-Deposit Ratio ? |
62.55%
+0.5% YoY
+3.6% QoQ
|
-22.48% |
85.04%
-0.1% YoY
|
72.91%
-1.7% YoY
|
79.03%
+2.3% YoY
|
Top 8.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
29.45%
-10.0% YoY
-3.2% QoQ
|
+8.18% |
21.27%
-1.5% YoY
|
27.35%
-2.5% YoY
|
21.98%
-0.6% YoY
|
84% |
| Nonperforming Asset Ratio ? |
0.21%
-59.1% YoY
-0.5% QoQ
|
-0.46% |
0.67%
+11.7% YoY
|
0.42%
-2.6% YoY
|
0.69%
+15.8% YoY
|
70% |
| Tier 1 Capital Ratio ? |
12.65%
+6.4% YoY
+1.2% QoQ
|
-2.19% |
14.84%
-0.4% YoY
|
19.50%
+8.2% YoY
|
17.09%
+0.8% YoY
|
43% |
| Non-Interest Income / Assets ? |
0.41%
+10.2% YoY
+110.8% QoQ
|
-0.11% |
0.53%
+2.5% YoY
|
1.02%
+6.4% YoY
|
0.66%
+5.2% YoY
|
72% |
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 (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
29.4%
-3.3pp YoY -1.0pp QoQ |
+8.1pp | 21.4% | 27.7% | 22.2% | 83% |
| Brokered Deposits |
0.9%
+0.1pp YoY -0.6pp QoQ |
-8.6pp | 9.5% | 8.7% | 8.5% | 18% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
11.2%
-1.1pp YoY -0.7pp QoQ |
-2.8pp | 14.0% | 12.9% | 12.5% | 50% |
| CRE |
47.7%
0.0pp YoY +0.5pp QoQ |
-2.4pp | 50.0% | 50.6% | 41.4% | 43% |
| 1-4 Family |
27.7%
+2.6pp YoY +0.6pp QoQ |
+1.3pp | 26.4% | 30.7% | 31.3% | 60% |
| Consumer |
11.9%
-0.9pp YoY -0.2pp QoQ |
+7.2pp | 4.7% | 3.7% | 5.0% | 91% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.7%
+0.8pp YoY +0.2pp QoQ |
-2.9pp | 15.6% | 19.8% | 19.7% | 35% |
| Leverage Ratio |
8.0%
+0.4pp YoY +0.2pp QoQ |
-3.3pp | 11.3% | 13.9% | 12.6% | 2% |
| Total Capital Ratio |
13.7%
+0.8pp YoY +0.2pp QoQ |
-3.0pp | 16.7% | 21.1% | 20.8% | 34% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
196
+10 (+5.4%) YoY 0 QoQ |
-118 | 313 | 295 | 482 | 40% |
| Assets per Employee ($) |
$7.6M
+0.8% YoY +0.3% QoQ |
-$2.9M | $10.5M | $10.3M | $8.8M | 32% |
| Branch Count |
17
0 YoY 0 QoQ |
-3 | 20 | 13 | 18 | 57% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.3% | 0.4% | n/a |
| Nonaccrual |
0.4%
-0.5pp YoY 0.0pp QoQ |
-0.5pp | 0.8% | 0.7% | 1.0% | 36% |
| Allowance Coverage |
3.12x
+152.5% YoY +5.0% QoQ |
-15.59x | 18.71x | 16.62x | 20.23x | 66% |
| Net Charge-off Rate (YTD) |
0.1%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.2% | 0.2% | 59% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
36.2%
-4.0pp YoY -1.5pp QoQ |
+23.6pp | 12.6% | 9.3% | 11.6% | 99% |
| Cost of Funds (YTD) |
1.4%
-0.1pp YoY 0.0pp QoQ |
-0.5pp | 1.9% | 1.8% | 1.7% | 16% |
| Net Income ($, YTD) |
$10.5M
+54.0% YoY — QoQ |
-$8.7M | $19.2M | $25.2M | $40.4M | 42% |
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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.