BlastPoint's Banking Scorecard

Citizens State Bank

$100M-$1B Specialty: Commercial MI FDIC cert 8183

Royal Oak, MI

3 branches across MI

2664 banks in the $100M-$1B peer group nationally 46 in MI

Citizens State Bank shows strong momentum with 4 strengths and 42.3% YoY asset growth

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ ROA 0.53% above tier average
+ Net Interest Margin 0.55% above tier average
+ Efficiency Ratio 19.21% below tier average
+ Delinquency Rate 0.84% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Citizens State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Total Assets ?	$543.8M +42.3% YoY +3.3% QoQ	+$157.7M	$386.1M +0.5% YoY	$993.6M +8.4% YoY	$6.2B +9.1% YoY	76%
Total Loans ?	$410.7M +76.0% YoY +8.8% QoQ	+$155.0M	$255.7M +1.1% YoY	$752.3M +12.4% YoY	$3.2B +10.8% YoY	81%
Total Deposits ?	$496.5M +42.0% YoY +3.1% QoQ	+$168.5M	$328.0M +0.1% YoY	$797.0M +7.4% YoY	$4.8B +8.2% YoY	79%
Return on Assets ?	1.80% +8.2% YoY +31.1% QoQ	+0.53%	1.27% +12.9% YoY	1.15% +25.2% YoY	1.23% +13.4% YoY	82%
Net Interest Margin ?	4.48% -5.7% YoY -3.8% QoQ	+0.55%	3.93% +6.0% YoY	3.99% +5.8% YoY	3.89% +5.7% YoY	81%
Efficiency Ratio ?	46.08% -3.0% YoY -5.7% QoQ	-19.21%	65.29% -4.5% YoY	66.95% -6.2% YoY	66.95% -4.1% YoY	Top 10.0% in tier
Delinquency Rate ?	0.05% -87.2% YoY -93.9% QoQ	-0.84%	0.89% +18.8% YoY	0.77% +21.7% YoY	0.95% +18.8% YoY	80%
Loan-to-Deposit Ratio ?	82.72% +23.9% YoY +5.5% QoQ	+6.08%	76.64% +0.8% YoY	78.66% +4.9% YoY	76.70% +0.9% YoY	40%
Non-Interest-Bearing Deposit Share ?	28.09% -26.3% YoY -1.6% QoQ	+6.07%	22.02% -1.0% YoY	24.69% -2.1% YoY	22.01% -1.2% YoY	77%
Nonperforming Asset Ratio ?	0.52% -59.5% YoY -26.2% QoQ	-0.12%	0.64% +19.7% YoY	0.58% +27.6% YoY	0.67% +19.3% YoY	37%
Tier 1 Capital Ratio ?	8.85% -4.7% YoY -1.8% QoQ	-6.98%	15.83% +1.5% YoY	20.91% +0.5% YoY	17.06% +0.8% YoY	Bottom 0.4% in tier
Non-Interest Income / Assets ?	0.15% -21.3% YoY -73.6% QoQ	-0.13%	0.28% +9.3% YoY	0.19% +5.8% YoY	0.32% +4.1% YoY	75%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (8 metrics)

268

Efficiency Ratio

profitability

Value: 46.08%

Peer Median: 65.29%

#268 of 2664 Top 10.0% in $100M-$1B

490

Return on Assets

profitability

Value: 1.80%

Peer Median: 1.27%

#490 of 2664 Top 18.4% in $100M-$1B

499

Net Interest Margin

profitability

Value: 4.48%

Peer Median: 3.93%

#499 of 2664 Top 18.7% in $100M-$1B

515

Total Loans

size

Value: $410.73M

Peer Median: $255.72M

#515 of 2664 Top 19.3% in $100M-$1B

541

Delinquency Rate

credit_quality

Value: 0.05%

Peer Median: 0.89%

#541 of 2654 Top 20.3% in $100M-$1B

555

Total Deposits

size

Value: $496.51M

Peer Median: $327.97M

#555 of 2664 Top 20.8% in $100M-$1B

626

Non-Interest-Bearing Deposit Share

funding

Value: 28.09%

Peer Median: 22.02%

#626 of 2664 Top 23.5% in $100M-$1B

639

Total Assets

size

Value: $543.78M

Peer Median: $386.08M

#639 of 2664 Top 23.9% in $100M-$1B

Top Weaknesses (1 metrics)

2654

Tier 1 Capital Ratio

capital

Value: 8.85%

Peer Median: 15.83%

#2654 of 2664 Bottom 0.4% in $100M-$1B