BlastPoint's Banking Scorecard
Citizens Trust Bank
Designations: ✓ CDFI-certified ✓ Minority Depository Institution
Atlanta, GA
7 branches across GA · AL
Citizens Trust Bank has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 18.68% above tier average
- + ROA 0.25% above tier average
- + Net Interest Margin 0.28% above tier average
- + Efficiency Ratio 9.58% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 47.9% in tier
- - Delinquency Rate 0.41% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$786.8M
+2.3% YoY
-1.1% QoQ
|
+$400.8M |
$386.1M
+0.5% YoY
|
$814.8M
+10.0% YoY
|
$6.2B
+9.1% YoY
|
Top 8.6% in tier |
| Total Loans ? |
$380.1M
-3.6% YoY
+1.1% QoQ
|
+$124.3M |
$255.7M
+1.1% YoY
|
$550.6M
+10.4% YoY
|
$3.2B
+10.8% YoY
|
78% |
| Total Deposits ? |
$669.6M
+0.9% YoY
-1.9% QoQ
|
+$341.7M |
$328.0M
+0.1% YoY
|
$689.3M
+8.9% YoY
|
$4.8B
+8.2% YoY
|
Top 8.7% in tier |
| Return on Assets ? |
1.52%
-14.5% YoY
-15.5% QoQ
|
+0.25% |
1.27%
+12.9% YoY
|
1.50%
+0.6% YoY
|
1.23%
+13.4% YoY
|
69% |
| Net Interest Margin ? |
4.21%
-3.9% YoY
-4.6% QoQ
|
+0.28% |
3.93%
+6.0% YoY
|
4.36%
+2.3% YoY
|
3.89%
+5.7% YoY
|
69% |
| Efficiency Ratio ? |
55.70%
+8.3% YoY
+10.2% QoQ
|
-9.58% |
65.29%
-4.5% YoY
|
62.13%
-1.5% YoY
|
66.95%
-4.1% YoY
|
72% |
| Delinquency Rate ? |
1.30%
+31.5% YoY
+48.1% QoQ
|
+0.41% |
0.89%
+18.8% YoY
|
0.81%
+32.9% YoY
|
0.95%
+18.8% YoY
|
22% |
| Loan-to-Deposit Ratio ? |
56.75%
-4.4% YoY
+3.0% QoQ
|
-19.88% |
76.64%
+0.8% YoY
|
71.10%
+2.8% YoY
|
76.70%
+0.9% YoY
|
85% |
| Non-Interest-Bearing Deposit Share ? |
40.70%
-3.2% YoY
-2.5% QoQ
|
+18.68% |
22.02%
-1.0% YoY
|
26.76%
-3.7% YoY
|
22.01%
-1.2% YoY
|
Top 4.2% in tier |
| Nonperforming Asset Ratio ? |
0.73%
+26.0% YoY
+40.8% QoQ
|
+0.09% |
0.64%
+19.7% YoY
|
0.56%
+24.4% YoY
|
0.67%
+19.3% YoY
|
28% |
| Tier 1 Capital Ratio ? |
24.37%
+14.2% YoY
+1.4% QoQ
|
+8.54% |
15.83%
+1.5% YoY
|
17.30%
-0.8% YoY
|
17.06%
+0.8% YoY
|
Top 7.1% in tier |
| Non-Interest Income / Assets ? |
0.15%
-1.4% YoY
-76.7% QoQ
|
-0.13% |
0.28%
+9.3% YoY
|
0.21%
+3.2% YoY
|
0.32%
+4.1% YoY
|
75% |
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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)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.