BlastPoint's Banking Scorecard
Citizens State Bank
Royal Oak, MI
3 branches across MI
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 47 in MI.
- Deposits +41.5% year over year ($530.5M on the books).
- Delinquency rate 0.18%.
- Return on assets 1.83%.
- Efficiency ratio 42.14% vs a 64.48% peer average.
- Loan-to-deposit ratio 84.92% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Citizens State Bank shows strong momentum with 4 strengths and 41.1% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 22.34% below tier average
- + ROA 0.51% above tier average
- + Net Interest Margin 0.87% above tier average
- + Delinquency Rate 0.74% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$581.0M
+41.1% YoY
+6.8% QoQ
|
+$194.4M |
$386.6M
+1.2% YoY
|
$1.0B
+6.5% YoY
|
$6.3B
+7.7% YoY
|
79% |
| Total Loans ? |
$450.5M
+55.1% YoY
+9.7% QoQ
|
+$192.1M |
$258.3M
+1.7% YoY
|
$767.2M
+9.2% YoY
|
$3.2B
+9.4% YoY
|
84% |
| Total Deposits ? |
$530.5M
+41.5% YoY
+6.8% QoQ
|
+$203.7M |
$326.7M
+0.7% YoY
|
$806.0M
+5.9% YoY
|
$4.9B
+7.3% YoY
|
83% |
| Return on Assets ? |
1.83%
+13.7% YoY
+1.8% QoQ
|
+0.51% |
1.32%
+10.8% YoY
|
1.18%
+20.1% YoY
|
1.30%
+12.1% YoY
|
81% |
| Net Interest Margin ? |
4.86%
-0.8% YoY
+8.5% QoQ
|
+0.87% |
3.99%
+5.0% YoY
|
4.06%
+4.7% YoY
|
3.95%
+4.9% YoY
|
Top 10.6% in tier |
| Efficiency Ratio ? |
42.14%
-7.5% YoY
-8.6% QoQ
|
-22.34% |
64.48%
-3.2% YoY
|
65.90%
-5.4% YoY
|
70.05%
+2.5% YoY
|
Top 5.7% in tier |
| Delinquency Rate ? |
0.18%
-88.4% YoY
+278.5% QoQ
|
-0.74% |
0.92%
+15.7% YoY
|
0.85%
+32.2% YoY
|
0.98%
+16.3% YoY
|
67% |
| Loan-to-Deposit Ratio ? |
84.92%
+9.6% YoY
+2.7% QoQ
|
+6.97% |
77.95%
+1.0% YoY
|
80.02%
+3.0% YoY
|
79.03%
+2.3% YoY
|
38% |
| Non-Interest-Bearing Deposit Share ? |
29.14%
-18.5% YoY
+3.7% QoQ
|
+7.11% |
22.03%
-0.6% YoY
|
25.55%
-0.4% YoY
|
21.98%
-0.6% YoY
|
80% |
| Nonperforming Asset Ratio ? |
0.53%
-74.7% YoY
+2.2% QoQ
|
-0.14% |
0.67%
+16.4% YoY
|
0.65%
+27.6% YoY
|
0.69%
+15.8% YoY
|
38% |
| Tier 1 Capital Ratio ? |
8.58%
-8.4% YoY
-3.0% QoQ
|
-7.32% |
15.91%
+1.4% YoY
|
20.80%
-0.9% YoY
|
17.09%
+0.8% YoY
|
Bottom 0.4% in tier |
| Non-Interest Income / Assets ? |
0.30%
-19.8% YoY
+92.8% QoQ
|
-0.27% |
0.57%
+7.6% YoY
|
0.38%
+3.3% YoY
|
0.66%
+5.2% YoY
|
71% |
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 (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
29.1%
-6.6pp YoY +1.0pp QoQ |
+7.0pp | 22.1% | 25.9% | 22.2% | 79% |
| Brokered Deposits | 2.0% | -5.8pp | 7.9% | 12.3% | 8.5% | 30% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
9.8%
-1.5pp YoY +1.1pp QoQ |
-1.7pp | 11.6% | 12.8% | 12.5% | 52% |
| CRE |
64.5%
+1.6pp YoY -1.2pp QoQ |
+24.9pp | 39.5% | 45.9% | 41.4% | 89% |
| 1-4 Family |
25.0%
-0.6pp YoY -0.2pp QoQ |
-7.7pp | 32.6% | 33.6% | 31.3% | 41% |
| Consumer |
0.8%
-0.6pp YoY 0.0pp QoQ |
-3.3pp | 4.1% | 4.6% | 5.0% | 23% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 26.9% | 19.7% | n/a |
| Leverage Ratio |
8.6%
-0.8pp YoY -0.3pp QoQ |
-3.6pp | 12.2% | 12.3% | 12.6% | 7% |
| Total Capital Ratio | n/a | n/a | 19.9% | 27.9% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
55
+2 (+3.8%) YoY +2 (+3.8%) QoQ |
-4 | 58 | 134 | 482 | 58% |
| Assets per Employee ($) |
$10.6M
+36.0% YoY +3.0% QoQ |
+$3.0M | $7.5M | $6.8M | $8.8M | 88% |
| Branch Count |
3
+1 (+50.0%) YoY 0 QoQ |
-2 | 4 | 9 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.7%
-2.3pp YoY 0.0pp QoQ |
-0.3pp | 0.9% | 0.8% | 1.0% | 62% |
| Allowance Coverage |
6.14x
+714.0% YoY -73.9% QoQ |
-18.02x | 24.15x | 6.79x | 20.23x | 74% |
| Net Charge-off Rate (YTD) |
0.3%
+0.3pp QoQ |
+0.1pp | 0.1% | 0.1% | 0.2% | 89% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
22.2%
+3.6pp YoY +0.4pp QoQ |
+10.1pp | 12.2% | 11.7% | 11.6% | 93% |
| Cost of Funds (YTD) |
2.3%
+0.4pp YoY 0.0pp QoQ |
+0.6pp | 1.7% | 1.5% | 1.7% | 86% |
| Net Income ($, YTD) |
$5.0M
+67.6% YoY — QoQ |
+$2.5M | $2.6M | $7.3M | $40.4M | 88% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.