BlastPoint's Banking Scorecard
Citizens Bank & Trust
Designations: ✓ Community bank
Guntersville, AL
10 branches across AL
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 16 in AL.
- Deposits +10.9% year over year ($1.1B on the books).
- Delinquency rate 0.08%.
- Return on assets 0.60%.
- Efficiency ratio 78.11% vs a 59.73% peer average.
- Loan-to-deposit ratio 55.99% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Citizens Bank & Trust has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Nonperforming Asset Ratio 0.62% below tier average
- + Delinquency Rate 0.78% below tier average
Key Concerns
Areas that may need attention
- - Return on Assets 0.79% below tier average
- - Net Interest Margin 1.11% below tier average
- - Efficiency Ratio 18.38% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+10.4% YoY
+2.9% QoQ
|
-$1.6B |
$2.8B
-0.6% YoY
|
$2.5B
+1.5% YoY
|
$6.3B
+7.7% YoY
|
17% |
| Total Loans ? |
$617.4M
+2.3% YoY
+2.1% QoQ
|
-$1.3B |
$2.0B
-0.3% YoY
|
$1.6B
+2.8% YoY
|
$3.2B
+9.4% YoY
|
Bottom 4.5% in tier |
| Total Deposits ? |
$1.1B
+10.9% YoY
+3.6% QoQ
|
-$1.2B |
$2.3B
-0.5% YoY
|
$2.1B
+0.3% YoY
|
$4.9B
+7.3% YoY
|
23% |
| Return on Assets ? |
0.60%
+8.6% YoY
+3.0% QoQ
|
-0.79% |
1.39%
+17.0% YoY
|
0.89%
-13.0% YoY
|
1.30%
+12.1% YoY
|
Bottom 9.7% in tier |
| Net Interest Margin ? |
2.76%
+2.6% YoY
+0.5% QoQ
|
-1.11% |
3.87%
+6.2% YoY
|
4.02%
+3.4% YoY
|
3.95%
+4.9% YoY
|
Bottom 7.8% in tier |
| Efficiency Ratio ? |
78.11%
+1.7% YoY
-1.9% QoQ
|
+18.38% |
59.73%
-12.6% YoY
|
69.53%
+4.0% YoY
|
70.05%
+2.5% YoY
|
Bottom 8.7% in tier |
| Delinquency Rate ? |
0.08%
-65.1% YoY
-52.7% QoQ
|
-0.78% |
0.87%
+11.7% YoY
|
1.13%
+25.5% YoY
|
0.98%
+16.3% YoY
|
Top 10.2% in tier |
| Loan-to-Deposit Ratio ? |
55.99%
-7.8% YoY
-1.4% QoQ
|
-29.04% |
85.04%
-0.1% YoY
|
67.62%
+0.9% YoY
|
79.03%
+2.3% YoY
|
Top 5.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.36%
-0.7% YoY
+3.9% QoQ
|
-0.91% |
21.27%
-1.5% YoY
|
24.04%
+0.1% YoY
|
21.98%
-0.6% YoY
|
53% |
| Nonperforming Asset Ratio ? |
0.05%
-58.2% YoY
-39.5% QoQ
|
-0.62% |
0.67%
+11.7% YoY
|
0.74%
+25.2% YoY
|
0.69%
+15.8% YoY
|
Top 9.5% in tier |
| Tier 1 Capital Ratio ? |
14.67%
+1.4% YoY
-1.4% QoQ
|
-0.17% |
14.84%
-0.4% YoY
|
15.01%
+1.3% YoY
|
17.09%
+0.8% YoY
|
71% |
| Non-Interest Income / Assets ? |
0.27%
+2.6% YoY
+104.8% QoQ
|
-0.26% |
0.53%
+2.5% YoY
|
0.35%
-14.4% YoY
|
0.66%
+5.2% YoY
|
44% |
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 (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
20.4%
-0.1pp YoY +0.8pp QoQ |
-1.0pp | 21.4% | 24.0% | 22.2% | 53% |
| Brokered Deposits | n/a | n/a | 9.5% | 5.5% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
12.1%
-1.1pp YoY -0.4pp QoQ |
-1.9pp | 14.0% | 16.9% | 12.5% | 56% |
| CRE |
52.2%
+0.4pp YoY +0.3pp QoQ |
+2.2pp | 50.0% | 43.5% | 41.4% | 58% |
| 1-4 Family |
30.3%
+1.9pp YoY -0.2pp QoQ |
+3.9pp | 26.4% | 30.6% | 31.3% | 67% |
| Consumer |
3.0%
+0.1pp YoY +0.3pp QoQ |
-1.7pp | 4.7% | 5.7% | 5.0% | 73% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
14.7%
+0.2pp YoY -0.2pp QoQ |
-0.9pp | 15.6% | 15.1% | 19.7% | 66% |
| Leverage Ratio |
8.9%
-0.3pp YoY -0.3pp QoQ |
-2.4pp | 11.3% | 13.2% | 12.6% | 10% |
| Total Capital Ratio |
15.6%
+0.1pp YoY -0.2pp QoQ |
-1.1pp | 16.7% | 16.2% | 20.8% | 65% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
150
+1 (+0.7%) YoY 0 QoQ |
-164 | 313 | 304 | 482 | 22% |
| Assets per Employee ($) |
$8.0M
+9.7% YoY +2.9% QoQ |
-$2.5M | $10.5M | $6.9M | $8.8M | 40% |
| Branch Count |
10
0 YoY 0 QoQ |
-10 | 20 | 20 | 18 | 29% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.1%
-0.2pp YoY -0.1pp QoQ |
-0.7pp | 0.8% | 1.2% | 1.0% | 8% |
| Allowance Coverage |
12.72x
+159.6% YoY +104.9% QoQ |
-5.99x | 18.71x | 7.50x | 20.23x | 92% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.3% | 0.2% | 45% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.3%
-0.4pp YoY +0.4pp QoQ |
-3.3pp | 12.6% | 10.0% | 11.6% | 27% |
| Cost of Funds (YTD) |
2.0%
-0.1pp YoY 0.0pp QoQ |
+0.1pp | 1.9% | 1.7% | 1.7% | 62% |
| Net Income ($, YTD) |
$3.5M
+16.4% YoY — QoQ |
-$15.8M | $19.2M | $17.2M | $40.4M | 6% |
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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.