BlastPoint's Banking Scorecard
Citizens State Bank of Loyal
Loyal, WI
5 branches across WI
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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 110 in WI.
- Deposits -1.8% year over year ($250.3M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.16%.
- Efficiency ratio 61.89% vs a 64.48% peer average.
- Loan-to-deposit ratio 71.89% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Citizens State Bank of Loyal has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 2.59% below tier average
- + Delinquency Rate 0.92% below tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 27.4% in tier
- - ROA 0.16% below tier average
- - Net Interest Margin 0.63% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$311.5M
-1.6% YoY
+1.4% QoQ
|
-$75.0M |
$386.6M
+1.2% YoY
|
$1.2B
+13.5% YoY
|
$6.3B
+7.7% YoY
|
48% |
| Total Loans ? |
$180.0M
+6.1% YoY
+3.6% QoQ
|
-$78.4M |
$258.3M
+1.7% YoY
|
$860.4M
+13.3% YoY
|
$3.2B
+9.4% YoY
|
43% |
| Total Deposits ? |
$250.3M
-1.8% YoY
+3.1% QoQ
|
-$76.4M |
$326.7M
+0.7% YoY
|
$935.5M
+13.1% YoY
|
$4.9B
+7.3% YoY
|
45% |
| Return on Assets ? |
1.16%
+29.8% YoY
-0.2% QoQ
|
-0.16% |
1.32%
+10.8% YoY
|
1.56%
+18.6% YoY
|
1.30%
+12.1% YoY
|
45% |
| Net Interest Margin ? |
3.36%
+17.7% YoY
+0.3% QoQ
|
-0.63% |
3.99%
+5.0% YoY
|
3.83%
+8.5% YoY
|
3.95%
+4.9% YoY
|
22% |
| Efficiency Ratio ? |
61.89%
-8.0% YoY
-1.1% QoQ
|
-2.59% |
64.48%
-3.2% YoY
|
62.90%
-5.1% YoY
|
70.05%
+2.5% YoY
|
52% |
| Delinquency Rate ? |
0.00%
-98.3% YoY
-92.2% QoQ
|
-0.92% |
0.92%
+15.7% YoY
|
0.85%
+12.5% YoY
|
0.98%
+16.3% YoY
|
Top 12.2% in tier |
| Loan-to-Deposit Ratio ? |
71.89%
+8.0% YoY
+0.5% QoQ
|
-6.06% |
77.95%
+1.0% YoY
|
87.22%
+0.9% YoY
|
79.03%
+2.3% YoY
|
66% |
| Non-Interest-Bearing Deposit Share ? |
20.16%
+6.3% YoY
+10.3% QoQ
|
-1.87% |
22.03%
-0.6% YoY
|
18.65%
-1.9% YoY
|
21.98%
-0.6% YoY
|
46% |
| Nonperforming Asset Ratio ? |
0.00%
-98.2% YoY
-92.0% QoQ
|
-0.67% |
0.67%
+16.4% YoY
|
0.63%
+16.4% YoY
|
0.69%
+15.8% YoY
|
Top 11.1% in tier |
| Tier 1 Capital Ratio ? |
11.48%
-27.5% YoY
-34.0% QoQ
|
-4.43% |
15.91%
+1.4% YoY
|
15.02%
+1.5% YoY
|
17.09%
+0.8% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.21%
+7.0% YoY
+98.8% QoQ
|
-0.36% |
0.57%
+7.6% YoY
|
2.21%
+12.7% YoY
|
0.66%
+5.2% YoY
|
53% |
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 (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
20.2%
+1.2pp YoY +1.9pp QoQ |
-2.0pp | 22.1% | 18.9% | 22.2% | 46% |
| Brokered Deposits | n/a | n/a | 7.9% | 9.2% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
3.8%
-0.9pp YoY -0.2pp QoQ |
-7.7pp | 11.6% | 10.5% | 12.5% | 14% |
| CRE |
32.5%
+1.8pp YoY +0.9pp QoQ |
-7.1pp | 39.5% | 46.4% | 41.4% | 39% |
| 1-4 Family |
9.5%
-0.1pp YoY 0.0pp QoQ |
-23.1pp | 32.6% | 32.3% | 31.3% | 10% |
| Consumer |
0.2%
0.0pp YoY 0.0pp QoQ |
-3.9pp | 4.1% | 2.6% | 5.0% | 8% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 15.5% | 19.7% | n/a |
| Leverage Ratio |
11.5%
+0.7pp YoY +0.1pp QoQ |
-0.7pp | 12.2% | 12.6% | 12.6% | 57% |
| Total Capital Ratio | n/a | n/a | 19.9% | 16.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
41
0 YoY 0 QoQ |
-18 | 58 | 134 | 482 | 42% |
| Assets per Employee ($) |
$7.6M
-1.6% YoY +1.4% QoQ |
+$80K | $7.5M | $8.2M | $8.8M | 62% |
| Branch Count |
5
0 YoY 0 QoQ |
0 | 4 | 9 | 18 | 55% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | 0.0% | -0.3pp | 0.3% | 0.4% | 0.4% | 6% |
| Nonaccrual | n/a | n/a | 0.9% | 0.9% | 1.0% | n/a |
| Allowance Coverage |
658.67x
+6530.3% YoY +1130.8% QoQ |
+634.51x | 24.15x | 56.89x | 20.23x | 99% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.0% | 0.2% | 39% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.6%
+1.4pp YoY -0.1pp QoQ |
-0.6pp | 12.2% | 11.8% | 11.6% | 47% |
| Cost of Funds (YTD) |
1.8%
-0.2pp YoY 0.0pp QoQ |
+0.1pp | 1.7% | 1.8% | 1.7% | 57% |
| Net Income ($, YTD) |
$1.8M
+30.4% YoY — QoQ |
-$755K | $2.6M | $7.9M | $40.4M | 48% |
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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 (1)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.