BlastPoint's Banking Scorecard
Citizens State Bank
Hudson, WI
5 branches across WI
Citizens State Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 7.57% below tier average
- + Delinquency Rate 0.42% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 28.0% in tier
- - Capital Thin: Bottom 37.1% in tier
- - ROA 0.05% below tier average
- - Net Interest Margin 0.20% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$488.1M
+5.8% YoY
+2.2% QoQ
|
+$102.0M |
$386.1M
+0.5% YoY
|
$1.1B
+10.1% YoY
|
$6.2B
+9.1% YoY
|
71% |
| Total Loans ? |
$395.7M
+3.0% YoY
-1.1% QoQ
|
+$140.0M |
$255.7M
+1.1% YoY
|
$816.7M
+9.9% YoY
|
$3.2B
+10.8% YoY
|
79% |
| Total Deposits ? |
$411.2M
+4.7% YoY
+2.6% QoQ
|
+$83.2M |
$328.0M
+0.1% YoY
|
$905.4M
+9.0% YoY
|
$4.8B
+8.2% YoY
|
71% |
| Return on Assets ? |
1.22%
+33.6% YoY
+14.7% QoQ
|
-0.05% |
1.27%
+12.9% YoY
|
1.50%
+15.4% YoY
|
1.23%
+13.4% YoY
|
51% |
| Net Interest Margin ? |
3.73%
+7.6% YoY
+2.0% QoQ
|
-0.20% |
3.93%
+6.0% YoY
|
3.77%
+9.2% YoY
|
3.89%
+5.7% YoY
|
43% |
| Efficiency Ratio ? |
57.71%
-7.1% YoY
-3.7% QoQ
|
-7.57% |
65.29%
-4.5% YoY
|
64.74%
-4.5% YoY
|
66.95%
-4.1% YoY
|
67% |
| Delinquency Rate ? |
0.47%
-31.7% YoY
+76.6% QoQ
|
-0.42% |
0.89%
+18.8% YoY
|
0.87%
+31.3% YoY
|
0.95%
+18.8% YoY
|
47% |
| Loan-to-Deposit Ratio ? |
96.22%
-1.7% YoY
-3.6% QoQ
|
+19.59% |
76.64%
+0.8% YoY
|
86.53%
+1.6% YoY
|
76.70%
+0.9% YoY
|
Bottom 13.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
11.75%
-6.2% YoY
-11.5% QoQ
|
-10.27% |
22.02%
-1.0% YoY
|
18.27%
-0.8% YoY
|
22.01%
-1.2% YoY
|
Bottom 14.4% in tier |
| Nonperforming Asset Ratio ? |
0.38%
-33.5% YoY
+71.0% QoQ
|
-0.26% |
0.64%
+19.7% YoY
|
0.63%
+35.0% YoY
|
0.67%
+19.3% YoY
|
44% |
| Tier 1 Capital Ratio ? |
9.67%
+2.4% YoY
-1.3% QoQ
|
-6.16% |
15.83%
+1.5% YoY
|
14.74%
+0.5% YoY
|
17.06%
+0.8% YoY
|
Bottom 6.1% in tier |
| Non-Interest Income / Assets ? |
0.08%
+46.5% YoY
-66.5% QoQ
|
-0.20% |
0.28%
+9.3% YoY
|
1.15%
+12.5% YoY
|
0.32%
+4.1% YoY
|
39% |
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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 (2)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.