BlastPoint's Banking Scorecard

Citizens Bank and Trust Company

$100M-$1B Specialty: Other VA FDIC cert 823

Blackstone, VA

12 branches across VA

2664 banks in the $100M-$1B peer group nationally 22 in VA

Citizens Bank and Trust Company demonstrates 4 strengths

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 0.62% above tier average
+ Net Interest Margin 0.50% above tier average
+ Efficiency Ratio 16.25% below tier average
+ Delinquency Rate 0.65% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Citizens Bank and Trust Company releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Total Assets ?	$583.3M +3.0% YoY +0.8% QoQ	+$197.2M	$386.1M +0.5% YoY	$17.9B +25.7% YoY	$6.2B +9.1% YoY	79%
Total Loans ?	$280.2M +5.2% YoY +1.4% QoQ	+$24.5M	$255.7M +1.1% YoY	$10.6B +27.9% YoY	$3.2B +10.8% YoY	64%
Total Deposits ?	$493.0M +1.8% YoY +1.1% QoQ	+$165.0M	$328.0M +0.1% YoY	$14.1B +22.4% YoY	$4.8B +8.2% YoY	79%
Return on Assets ?	1.89% +6.0% YoY +5.2% QoQ	+0.62%	1.27% +12.9% YoY	1.15% +53.9% YoY	1.23% +13.4% YoY	84%
Net Interest Margin ?	4.43% +8.8% YoY +3.0% QoQ	+0.50%	3.93% +6.0% YoY	3.81% +7.1% YoY	3.89% +5.7% YoY	79%
Efficiency Ratio ?	49.04% -0.6% YoY -2.5% QoQ	-16.25%	65.29% -4.5% YoY	65.58% -7.6% YoY	66.95% -4.1% YoY	Top 14.3% in tier
Delinquency Rate ?	0.24% -6.1% YoY -6.3% QoQ	-0.65%	0.89% +18.8% YoY	0.77% +12.4% YoY	0.95% +18.8% YoY	61%
Loan-to-Deposit Ratio ?	56.84% +3.4% YoY +0.3% QoQ	-19.80%	76.64% +0.8% YoY	79.34% +0.5% YoY	76.70% +0.9% YoY	85%
Non-Interest-Bearing Deposit Share ?	24.52% +3.5% YoY +5.8% QoQ	+2.50%	22.02% -1.0% YoY	25.27% -0.4% YoY	22.01% -1.2% YoY	64%
Nonperforming Asset Ratio ?	0.16% -26.0% YoY -4.5% QoQ	-0.48%	0.64% +19.7% YoY	0.55% +12.2% YoY	0.67% +19.3% YoY	64%
Tier 1 Capital Ratio ?	15.00% +5.8% YoY +1.1% QoQ	-0.83%	15.83% +1.5% YoY	16.28% +2.7% YoY	17.06% +0.8% YoY	66%
Non-Interest Income / Assets ?	0.13% -14.5% YoY -76.3% QoQ	-0.15%	0.28% +9.3% YoY	0.18% +27.1% YoY	0.32% +4.1% YoY	67%

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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 (6 metrics)

383

Efficiency Ratio

profitability

Value: 49.04%

Peer Median: 65.29%

#383 of 2664 Top 14.3% in $100M-$1B

409

Loan-to-Deposit Ratio

liquidity

Value: 56.84%

Peer Median: 76.64%

#409 of 2664 Top 15.3% in $100M-$1B

417

Return on Assets

profitability

Value: 1.89%

Peer Median: 1.27%

#417 of 2664 Top 15.6% in $100M-$1B

548

Net Interest Margin

profitability

Value: 4.43%

Peer Median: 3.93%

#548 of 2664 Top 20.5% in $100M-$1B

555

Total Assets

size

Value: $583.25M

Peer Median: $386.08M

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

567

Total Deposits

size

Value: $492.99M

Peer Median: $327.97M

#567 of 2664 Top 21.2% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available