BlastPoint's Banking Scorecard

Citizens Bank Minnesota

$100M-$1B Specialty: Agricultural MN FDIC cert 8200

New Ulm, MN

6 branches across MN

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 151 in MN.
Deposits +1.1% year over year ($498.7M on the books).
Delinquency rate 0.02%.
Return on assets 0.85%.
Efficiency ratio 67.13% vs a 64.48% peer average.
Loan-to-deposit ratio 80.52% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 151 in MN

View $100M-$1B leaderboard (MN) →

Citizens Bank Minnesota has 1 strength but faces 6 concerns

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

+ Credit Quality Leader: Top 17.8% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 1.7% in tier
- Credit Risk Growth: Bottom 4.4% in tier
- Non-Interest-Bearing Deposit Share 17.22% below tier average
- ROA 0.47% below tier average
- Net Interest Margin 0.81% below tier average
- Efficiency Ratio 2.65% above tier average

Get updates when Citizens Bank Minnesota releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$596.0M +2.7% YoY +1.0% QoQ	+$209.4M	$386.6M +1.2% YoY	$524.5M +5.8% YoY	$6.3B +7.7% YoY	80%
Total Loans ?	$401.6M +3.4% YoY +1.3% QoQ	+$143.3M	$258.3M +1.7% YoY	$300.2M +7.3% YoY	$3.2B +9.4% YoY	80%
Total Deposits ?	$498.7M +1.1% YoY -1.5% QoQ	+$172.0M	$326.7M +0.7% YoY	$452.1M +5.5% YoY	$4.9B +7.3% YoY	80%
Return on Assets ?	0.85% +125.9% YoY +5.8% QoQ	-0.47%	1.32% +10.8% YoY	1.26% +17.2% YoY	1.30% +12.1% YoY	26%
Net Interest Margin ?	3.17% +15.6% YoY +2.0% QoQ	-0.81%	3.99% +5.0% YoY	4.00% +6.8% YoY	3.95% +4.9% YoY	15%
Efficiency Ratio ?	67.13% -14.9% YoY -0.4% QoQ	+2.65%	64.48% -3.2% YoY	63.00% -3.5% YoY	70.05% +2.5% YoY	37%
Delinquency Rate ?	0.02% +21.6% YoY -12.3% QoQ	-0.90%	0.92% +15.7% YoY	1.01% +19.3% YoY	0.98% +16.3% YoY	84%
Loan-to-Deposit Ratio ?	80.52% +2.3% YoY +2.9% QoQ	+2.57%	77.95% +1.0% YoY	78.29% -0.6% YoY	79.03% +2.3% YoY	48%
Non-Interest-Bearing Deposit Share ?	4.81% +10.7% YoY +2.2% QoQ	-17.22%	22.03% -0.6% YoY	21.79% +0.9% YoY	21.98% -0.6% YoY	Bottom 3.4% in tier
Nonperforming Asset Ratio ?	0.01% -68.6% YoY -12.0% QoQ	-0.65%	0.67% +16.4% YoY	0.76% +16.9% YoY	0.69% +15.8% YoY	Top 14.8% in tier
Tier 1 Capital Ratio ?	11.68% +2.0% YoY +0.1% QoQ	-4.23%	15.91% +1.4% YoY	15.35% -0.4% YoY	17.09% +0.8% YoY	31%
Non-Interest Income / Assets ?	0.23% +19.7% YoY +125.7% QoQ	-0.34%	0.57% +7.6% YoY	0.31% +3.9% YoY	0.66% +5.2% YoY	59%

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 (MN)	National Avg	Tier Percentile
Noninterest-Bearing	4.8% +0.5pp YoY +0.1pp QoQ	-17.3pp	22.1%	21.9%	22.2%	3%
Brokered Deposits	n/a	n/a	7.9%	8.3%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
C&I	6.2% -0.2pp YoY -0.2pp QoQ	-5.4pp	11.6%	14.6%	12.5%	26%
CRE	10.8% +0.1pp YoY -0.7pp QoQ	-28.7pp	39.5%	36.5%	41.4%	6%
1-4 Family	33.1% -1.4pp YoY 0.0pp QoQ	+0.5pp	32.6%	29.4%	31.3%	58%
Consumer	1.2% -0.1pp YoY 0.0pp QoQ	-2.9pp	4.1%	4.5%	5.0%	34%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
CET1 Ratio	11.7% +0.2pp YoY 0.0pp QoQ	-7.1pp	18.8%	16.5%	19.7%	13%
Leverage Ratio	9.3% +0.3pp YoY -0.1pp QoQ	-2.8pp	12.2%	11.0%	12.6%	18%
Total Capital Ratio	12.3% +0.2pp YoY 0.0pp QoQ	-7.6pp	19.9%	17.6%	20.8%	10%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Full-Time Employees	91 -1 (-1.1%) YoY -2 (-2.2%) QoQ	+32	58	55	482	83%
Assets per Employee ($)	$6.5M +3.8% YoY +3.2% QoQ	-$969K	$7.5M	$8.6M	$8.8M	44%
Branch Count	6 0 YoY 0 QoQ	+1	4	4	18	66%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.4%	0.4%	27%
Nonaccrual	n/a	n/a	0.9%	1.0%	1.0%	n/a
Allowance Coverage	33.32x -20.2% YoY +12.8% QoQ	+9.16x	24.15x	20.41x	20.23x	92%
Net Charge-off Rate (YTD)	-0.0% -0.1pp YoY 0.0pp QoQ	-0.2pp	0.1%	0.2%	0.2%	21%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
ROE	9.4% +5.0pp YoY +0.5pp QoQ	-2.7pp	12.2%	13.1%	11.6%	33%
Cost of Funds (YTD)	1.7% -0.2pp YoY 0.0pp QoQ	0.0pp	1.7%	1.7%	1.7%	53%
Net Income ($, YTD)	$2.5M +133.0% YoY — QoQ	-$32K	$2.6M	$4.5M	$40.4M	62%

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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 (1)

Credit Quality Leader

growth

#118 of 659 • Top 17.8% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.02%

(Tier: 0.92%, National: 0.98%)

better than tier avg

659 of 659 Community banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank declining

Concerns (2)

Credit Quality Pressure

risk

#22 of 1256 • Bottom 1.7% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.02%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank improving

Credit Risk Growth

risk

#42 of 936 • Bottom 4.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank improving

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 2643 peers in $100M-$1B

Top Strengths (5 metrics)

393

Nonperforming Asset Ratio

credit_quality

Value: 0.01%

Peer Median: 0.67%

#393 of 2643 Top 14.8% in $100M-$1B

431

Delinquency Rate

credit_quality

Value: 0.02%

Peer Median: 0.92%

#431 of 2633 Top 16.3% in $100M-$1B

524

Total Assets

size

Value: $595.96M

Peer Median: $386.57M

#524 of 2643 Top 19.8% in $100M-$1B

539

Total Deposits

size

Value: $498.74M

Peer Median: $326.73M

#539 of 2643 Top 20.4% in $100M-$1B

542

Total Loans

size

Value: $401.60M

Peer Median: $258.35M

#542 of 2643 Top 20.5% in $100M-$1B

Top Weaknesses (2 metrics)

2553

Non-Interest-Bearing Deposit Share

funding

Value: 4.81%

Peer Median: 22.03%

#2553 of 2643 Bottom 3.4% in $100M-$1B

2241

Net Interest Margin

profitability

Value: 3.17%

Peer Median: 3.99%

#2241 of 2643 Bottom 15.2% in $100M-$1B