BlastPoint's Banking Scorecard
Citizens Bank of Rogersville
Rogersville, MO
2 branches across MO
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 140 in MO.
- Deposits +3.7% year over year ($106.6M on the books).
- Delinquency rate 0.42%.
- Return on assets 1.25%.
- Efficiency ratio 70.44% vs a 64.48% peer average.
- Loan-to-deposit ratio 85.94% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Citizens Bank of Rogersville has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.29% above tier average
- + Delinquency Rate 0.50% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.08% below tier average
- - Efficiency Ratio 5.96% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$125.2M
+0.6% YoY
+2.8% QoQ
|
-$261.4M |
$386.6M
+1.2% YoY
|
$1.6B
+6.4% YoY
|
$6.3B
+7.7% YoY
|
Bottom 7.1% in tier |
| Total Loans ? |
$91.6M
-2.8% YoY
+0.8% QoQ
|
-$166.7M |
$258.3M
+1.7% YoY
|
$1.0B
+10.0% YoY
|
$3.2B
+9.4% YoY
|
15% |
| Total Deposits ? |
$106.6M
+3.7% YoY
+3.7% QoQ
|
-$220.1M |
$326.7M
+0.7% YoY
|
$1.3B
+6.1% YoY
|
$4.9B
+7.3% YoY
|
Bottom 7.6% in tier |
| Return on Assets ? |
1.25%
+43.5% YoY
+17.1% QoQ
|
-0.08% |
1.32%
+10.8% YoY
|
1.46%
+5.9% YoY
|
1.30%
+12.1% YoY
|
50% |
| Net Interest Margin ? |
4.28%
+3.5% YoY
+1.9% QoQ
|
+0.29% |
3.99%
+5.0% YoY
|
4.55%
+0.7% YoY
|
3.95%
+4.9% YoY
|
69% |
| Efficiency Ratio ? |
70.44%
-3.6% YoY
-3.5% QoQ
|
+5.96% |
64.48%
-3.2% YoY
|
59.57%
-3.2% YoY
|
70.05%
+2.5% YoY
|
29% |
| Delinquency Rate ? |
0.42%
-12.1% YoY
-4.8% QoQ
|
-0.50% |
0.92%
+15.7% YoY
|
0.82%
+12.6% YoY
|
0.98%
+16.3% YoY
|
50% |
| Loan-to-Deposit Ratio ? |
85.94%
-6.2% YoY
-2.9% QoQ
|
+7.99% |
77.95%
+1.0% YoY
|
80.82%
+1.6% YoY
|
79.03%
+2.3% YoY
|
36% |
| Non-Interest-Bearing Deposit Share ? |
22.63%
-5.4% YoY
-5.8% QoQ
|
+0.60% |
22.03%
-0.6% YoY
|
20.71%
-0.5% YoY
|
21.98%
-0.6% YoY
|
57% |
| Nonperforming Asset Ratio ? |
0.31%
-43.7% YoY
-6.6% QoQ
|
-0.36% |
0.67%
+16.4% YoY
|
0.67%
+14.9% YoY
|
0.69%
+15.8% YoY
|
51% |
| Tier 1 Capital Ratio ? |
11.37%
+8.2% YoY
+1.8% QoQ
|
-4.53% |
15.91%
+1.4% YoY
|
15.38%
-1.1% YoY
|
17.09%
+0.8% YoY
|
28% |
| Non-Interest Income / Assets ? |
0.32%
+47.3% YoY
+216.7% QoQ
|
-0.25% |
0.57%
+7.6% YoY
|
0.58%
+5.8% YoY
|
0.66%
+5.2% YoY
|
75% |
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 (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
22.6%
-1.3pp YoY -1.4pp QoQ |
+0.5pp | 22.1% | 20.9% | 22.2% | 57% |
| Brokered Deposits |
1.9%
-3.7pp YoY -0.1pp QoQ |
-6.0pp | 7.9% | 7.4% | 8.5% | 29% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
12.0%
-0.2pp YoY +0.1pp QoQ |
+0.4pp | 11.6% | 12.3% | 12.5% | 63% |
| CRE |
39.7%
-0.7pp YoY -1.1pp QoQ |
+0.2pp | 39.5% | 36.8% | 41.4% | 52% |
| 1-4 Family |
40.4%
+2.1pp YoY +0.4pp QoQ |
+7.8pp | 32.6% | 31.9% | 31.3% | 71% |
| Consumer |
2.8%
-0.9pp YoY 0.0pp QoQ |
-1.3pp | 4.1% | 4.1% | 5.0% | 57% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 18.5% | 19.7% | n/a |
| Leverage Ratio |
11.4%
+0.9pp YoY +0.2pp QoQ |
-0.8pp | 12.2% | 11.6% | 12.6% | 56% |
| Total Capital Ratio | n/a | n/a | 19.9% | 19.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
27
+2 (+8.0%) YoY 0 QoQ |
-32 | 58 | 162 | 482 | 22% |
| Assets per Employee ($) |
$4.6M
-6.9% YoY +2.8% QoQ |
-$2.9M | $7.5M | $8.0M | $8.8M | 10% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 10 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual |
0.4%
-0.1pp YoY 0.0pp QoQ |
-0.5pp | 0.9% | 0.8% | 1.0% | 48% |
| Allowance Coverage |
5.37x
+30.8% YoY +6.3% QoQ |
-18.78x | 24.15x | 10.47x | 20.23x | 72% |
| Net Charge-off Rate (YTD) |
-0.0%
-0.1pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.3% | 0.2% | 10% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.4%
+2.5pp YoY +1.6pp QoQ |
-0.8pp | 12.2% | 14.3% | 11.6% | 46% |
| Cost of Funds (YTD) |
2.0%
-0.2pp YoY 0.0pp QoQ |
+0.3pp | 1.7% | 1.8% | 1.7% | 72% |
| Net Income ($, YTD) |
$775,000
+41.2% YoY — QoQ |
-$1.8M | $2.6M | $11.3M | $40.4M | 19% |
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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.