BlastPoint's Banking Scorecard

Citizens Bank Minnesota

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

New Ulm, MN

6 branches across MN

2664 banks in the $100M-$1B peer group nationally 152 in 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 11.3% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 4.6% in tier
- Credit Risk Growth: Bottom 6.4% in tier
- Non-Interest-Bearing Deposit Share 17.31% below tier average
- ROA 0.47% below tier average
- Net Interest Margin 0.82% below tier average
- Efficiency Ratio 2.10% above tier average

Get updates when Citizens Bank Minnesota releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$590.0M +2.2% YoY -1.0% QoQ	+$203.9M	$386.1M +0.5% YoY	$512.9M +5.5% YoY	$6.2B +9.1% YoY	80%
Total Loans ?	$396.4M +3.6% YoY -2.2% QoQ	+$140.7M	$255.7M +1.1% YoY	$288.3M +6.9% YoY	$3.2B +10.8% YoY	79%
Total Deposits ?	$506.5M +0.9% YoY -0.6% QoQ	+$178.5M	$328.0M +0.1% YoY	$443.8M +5.0% YoY	$4.8B +8.2% YoY	80%
Return on Assets ?	0.80% +82.8% YoY +60.2% QoQ	-0.47%	1.27% +12.9% YoY	1.13% +10.7% YoY	1.23% +13.4% YoY	26%
Net Interest Margin ?	3.11% +15.8% YoY +9.8% QoQ	-0.82%	3.93% +6.0% YoY	3.93% +7.5% YoY	3.89% +5.7% YoY	Bottom 14.6% in tier
Efficiency Ratio ?	67.38% -13.7% YoY -10.3% QoQ	+2.10%	65.29% -4.5% YoY	64.77% -3.3% YoY	66.95% -4.1% YoY	39%
Delinquency Rate ?	0.02% +3.3% QoQ	-0.86%	0.89% +18.8% YoY	1.04% +28.9% YoY	0.95% +18.8% YoY	83%
Loan-to-Deposit Ratio ?	78.26% +2.7% YoY -1.6% QoQ	+1.63%	76.64% +0.8% YoY	76.69% -0.4% YoY	76.70% +0.9% YoY	50%
Non-Interest-Bearing Deposit Share ?	4.71% -3.7% YoY -7.4% QoQ	-17.31%	22.02% -1.0% YoY	21.87% -0.9% YoY	22.01% -1.2% YoY	Bottom 3.3% in tier
Nonperforming Asset Ratio ?	0.02% -73.4% YoY +2.1% QoQ	-0.62%	0.64% +19.7% YoY	0.77% +27.1% YoY	0.67% +19.3% YoY	84%
Tier 1 Capital Ratio ?	11.67% +0.4% YoY +3.6% QoQ	-4.16%	15.83% +1.5% YoY	15.37% +0.7% YoY	17.06% +0.8% YoY	31%
Non-Interest Income / Assets ?	0.10% +14.8% YoY -77.5% QoQ	-0.18%	0.28% +9.3% YoY	0.16% +5.0% YoY	0.32% +4.1% YoY	53%

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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

#76 of 664 • Top 11.3% 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: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (2)

Credit Quality Pressure

risk

#61 of 1308 • Bottom 4.6% 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: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ

Credit Risk Growth

risk

#63 of 973 • Bottom 6.4% in tier

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

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ

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 (5 metrics)

419

Nonperforming Asset Ratio

credit_quality

Value: 0.02%

Peer Median: 0.64%

#419 of 2664 Top 15.7% in $100M-$1B

441

Delinquency Rate

credit_quality

Value: 0.02%

Peer Median: 0.89%

#441 of 2654 Top 16.6% in $100M-$1B

523

Total Deposits

size

Value: $506.47M

Peer Median: $327.97M

#523 of 2664 Top 19.6% in $100M-$1B

541

Total Assets

size

Value: $589.98M

Peer Median: $386.08M

#541 of 2664 Top 20.3% in $100M-$1B

555

Total Loans

size

Value: $396.39M

Peer Median: $255.72M

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

Top Weaknesses (2 metrics)

2577

Non-Interest-Bearing Deposit Share

funding

Value: 4.71%

Peer Median: 22.02%

#2577 of 2664 Bottom 3.3% in $100M-$1B

2276

Net Interest Margin

profitability

Value: 3.11%

Peer Median: 3.93%

#2276 of 2664 Bottom 14.6% in $100M-$1B