BlastPoint's Banking Scorecard

Citizens Bank and Trust

$1B-$10B Specialty: Commercial FL FDIC cert 5673

Designations: ✓ Community bank

Frostproof, FL

17 branches across FL

884 banks in the $1B-$10B peer group nationally 27 in FL

Citizens Bank and Trust has 3 strengths but faces 2 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

+ Loan-to-Deposit Ratio 23.83% below tier average
+ ROA 0.09% above tier average
+ Delinquency Rate 0.51% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.60% below tier average
- Efficiency Ratio 6.98% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Total Assets ?	$1.5B +5.7% YoY +2.0% QoQ	-$1.3B	$2.8B -0.1% YoY	$4.3B +10.8% YoY	$6.2B +9.1% YoY	33%
Total Loans ?	$843.1M +6.7% YoY -0.7% QoQ	-$1.1B	$2.0B +0.6% YoY	$3.0B +12.4% YoY	$3.2B +10.8% YoY	19%
Total Deposits ?	$1.4B +4.6% YoY +1.7% QoQ	-$947.0M	$2.3B -0.3% YoY	$3.6B +11.7% YoY	$4.8B +8.2% YoY	41%
Return on Assets ?	1.46% +47.4% YoY +41.4% QoQ	+0.09%	1.37% +19.6% YoY	0.83% +61.5% YoY	1.23% +13.4% YoY	68%
Net Interest Margin ?	3.22% +6.1% YoY +2.8% QoQ	-0.60%	3.82% +6.9% YoY	3.75% +4.2% YoY	3.89% +5.7% YoY	25%
Efficiency Ratio ?	68.04% -2.4% YoY +1.5% QoQ	+6.98%	61.06% -4.6% YoY	71.93% -25.2% YoY	66.95% -4.1% YoY	26%
Delinquency Rate ?	0.38% -75.3% YoY -23.6% QoQ	-0.51%	0.89% +14.1% YoY	0.63% -5.7% YoY	0.95% +18.8% YoY	64%
Loan-to-Deposit Ratio ?	60.38% +2.0% YoY -2.4% QoQ	-23.83%	84.20% +0.3% YoY	73.79% +1.2% YoY	76.70% +0.9% YoY	Top 7.8% in tier
Non-Interest-Bearing Deposit Share ?	30.43% -13.8% YoY -1.0% QoQ	+9.14%	21.29% -2.5% YoY	27.22% -2.5% YoY	22.01% -1.2% YoY	85%
Nonperforming Asset Ratio ?	0.22% -75.1% YoY -25.6% QoQ	-0.46%	0.67% +15.6% YoY	0.43% -5.1% YoY	0.67% +19.3% YoY	71%
Tier 1 Capital Ratio ?	12.50% +2.4% YoY +2.7% QoQ	-2.66%	15.16% +2.0% YoY	16.64% -24.7% YoY	17.06% +0.8% YoY	40%
Non-Interest Income / Assets ?	0.20% +6.9% YoY -74.2% QoQ	-0.06%	0.26% +1.6% YoY	0.50% +7.6% YoY	0.32% +4.1% YoY	71%

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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 (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).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (2 metrics)

Loan-to-Deposit Ratio

liquidity

Value: 60.38%

Peer Median: 84.20%

#70 of 884 Top 7.8% in $1B-$10B

136

Non-Interest-Bearing Deposit Share

funding

Value: 30.43%

Peer Median: 21.29%

#136 of 884 Top 15.3% in $1B-$10B

Top Weaknesses (1 metrics)

718

Total Loans

size

Value: $843.06M

Peer Median: $1.96B

#718 of 884 Bottom 18.9% in $1B-$10B