BlastPoint's Banking Scorecard

Citizens Bank of Rogersville

$100M-$1B Specialty: Commercial MO FDIC cert 8572

Rogersville, MO

2 branches across MO

2664 banks in the $100M-$1B peer group nationally 143 in MO

Citizens Bank of Rogersville has 2 strengths but faces 4 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

+ Net Interest Margin 0.27% above tier average
+ Delinquency Rate 0.45% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 40.4% in tier
- Deposit Outflow: Bottom 46.4% in tier
- ROA 0.21% below tier average
- Efficiency Ratio 7.74% above tier average

Get updates when Citizens Bank of Rogersville releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$121.8M -4.3% YoY -3.5% QoQ	-$264.2M	$386.1M +0.5% YoY	$1.6B +6.5% YoY	$6.2B +9.1% YoY	Bottom 6.5% in tier
Total Loans ?	$90.9M -6.2% YoY +0.7% QoQ	-$164.8M	$255.7M +1.1% YoY	$1.0B +8.5% YoY	$3.2B +10.8% YoY	16%
Total Deposits ?	$102.8M -2.3% YoY -1.8% QoQ	-$225.2M	$328.0M +0.1% YoY	$1.3B +6.1% YoY	$4.8B +8.2% YoY	Bottom 6.7% in tier
Return on Assets ?	1.06% +30.4% YoY +7.0% QoQ	-0.21%	1.27% +12.9% YoY	1.43% +10.8% YoY	1.23% +13.4% YoY	42%
Net Interest Margin ?	4.20% +3.7% YoY +1.0% QoQ	+0.27%	3.93% +6.0% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	68%
Efficiency Ratio ?	73.02% +0.8% YoY +2.4% QoQ	+7.74%	65.29% -4.5% YoY	59.97% -5.2% YoY	66.95% -4.1% YoY	26%
Delinquency Rate ?	0.44% +162.5% YoY -4.0% QoQ	-0.45%	0.89% +18.8% YoY	0.83% +18.3% YoY	0.95% +18.8% YoY	49%
Loan-to-Deposit Ratio ?	88.47% -3.9% YoY +2.5% QoQ	+11.83%	76.64% +0.8% YoY	79.48% +1.6% YoY	76.70% +0.9% YoY	27%
Non-Interest-Bearing Deposit Share ?	24.03% -1.3% YoY +4.2% QoQ	+2.01%	22.02% -1.0% YoY	20.72% +0.3% YoY	22.01% -1.2% YoY	63%
Nonperforming Asset Ratio ?	0.33% +6.9% YoY +0.1% QoQ	-0.31%	0.64% +19.7% YoY	0.67% +20.5% YoY	0.67% +19.3% YoY	48%
Tier 1 Capital Ratio ?	11.18% +7.7% YoY +0.4% QoQ	-4.65%	15.83% +1.5% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	25%
Non-Interest Income / Assets ?	0.10% +14.9% YoY -80.9% QoQ	-0.18%	0.28% +9.3% YoY	0.29% +5.6% YoY	0.32% +4.1% YoY	52%

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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 (2)

Credit Quality Pressure

risk

#530 of 1308 • Bottom 40.4% in tier

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

Why this signature

Delinquency Rate: 0.44%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank declining

Deposit Outflow

decline

#236 of 506 • Bottom 46.4% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 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 2664 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (3 metrics)

2493

Total Assets

size

Value: $121.83M

Peer Median: $386.08M

#2493 of 2664 Bottom 6.5% in $100M-$1B

2486

Total Deposits

size

Value: $102.78M

Peer Median: $327.97M

#2486 of 2664 Bottom 6.7% in $100M-$1B

2236

Total Loans

size

Value: $90.92M

Peer Median: $255.72M

#2236 of 2664 Bottom 16.1% in $100M-$1B