BlastPoint's Banking Scorecard
Citizens State Bank and Trust Company
Hiawatha, KS
2 branches across KS
Citizens State Bank and Trust Company has 5 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 12.2% in tier
- + Revenue Diversifier: Top 37.4% in tier
- + ROA 0.73% above tier average
- + Net Interest Margin 0.49% above tier average
- + Efficiency Ratio 6.31% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 3.0% in tier
- - Credit Quality Pressure: Bottom 3.6% in tier
- - Liquidity Overhang: Bottom 8.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$106.0M
+7.8% YoY
+1.2% QoQ
|
-$280.1M |
$386.1M
+0.5% YoY
|
$509.2M
+7.2% YoY
|
$6.2B
+9.1% YoY
|
Bottom 2.1% in tier |
| Total Loans ? |
$62.1M
+2.6% YoY
-3.0% QoQ
|
-$193.6M |
$255.7M
+1.1% YoY
|
$338.5M
+8.8% YoY
|
$3.2B
+10.8% YoY
|
Bottom 5.4% in tier |
| Total Deposits ? |
$81.2M
+7.1% YoY
+2.8% QoQ
|
-$246.8M |
$328.0M
+0.1% YoY
|
$424.4M
+7.3% YoY
|
$4.8B
+8.2% YoY
|
Bottom 1.0% in tier |
| Return on Assets ? |
2.00%
-5.2% YoY
-13.9% QoQ
|
+0.73% |
1.27%
+12.9% YoY
|
1.40%
+19.8% YoY
|
1.23%
+13.4% YoY
|
Top 12.6% in tier |
| Net Interest Margin ? |
4.43%
-4.6% YoY
-5.0% QoQ
|
+0.49% |
3.93%
+6.0% YoY
|
3.92%
+4.5% YoY
|
3.89%
+5.7% YoY
|
79% |
| Efficiency Ratio ? |
58.98%
-0.3% YoY
+7.4% QoQ
|
-6.31% |
65.29%
-4.5% YoY
|
62.29%
-5.0% YoY
|
66.95%
-4.1% YoY
|
63% |
| Delinquency Rate ? |
0.03%
+94.8% YoY
|
-0.86% |
0.89%
+18.8% YoY
|
0.77%
+10.4% YoY
|
0.95%
+18.8% YoY
|
82% |
| Loan-to-Deposit Ratio ? |
76.46%
-4.1% YoY
-5.7% QoQ
|
-0.18% |
76.64%
+0.8% YoY
|
71.79%
+1.2% YoY
|
76.70%
+0.9% YoY
|
54% |
| Non-Interest-Bearing Deposit Share ? |
21.75%
-0.3% YoY
+2.2% QoQ
|
-0.27% |
22.02%
-1.0% YoY
|
22.83%
-2.0% YoY
|
22.01%
-1.2% YoY
|
53% |
| Nonperforming Asset Ratio ? |
0.02%
+85.5% YoY
|
-0.62% |
0.64%
+19.7% YoY
|
0.51%
+12.5% YoY
|
0.67%
+19.3% YoY
|
84% |
| Tier 1 Capital Ratio ? |
30.47%
-0.2% YoY
+5.1% QoQ
|
+14.64% |
15.83%
+1.5% YoY
|
17.98%
-0.9% YoY
|
17.06%
+0.8% YoY
|
Top 3.6% in tier |
| Non-Interest Income / Assets ? |
0.21%
-6.8% YoY
-75.9% QoQ
|
-0.07% |
0.28%
+9.3% YoY
|
0.28%
-1.8% YoY
|
0.32%
+4.1% YoY
|
Top 12.8% in tier |
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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 (2)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.