BlastPoint's Banking Scorecard
Citizens' Bank & Trust Co.
Van Buren, AR
9 branches across AR
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 49 in AR.
- Deposits +4.3% year over year ($503.2M on the books).
- Delinquency rate 0.20%.
- Return on assets 1.55%.
- Efficiency ratio 47.69% vs a 64.48% peer average.
- Loan-to-deposit ratio 60.84% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Citizens' Bank & Trust Co. has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.23% above tier average
- + Efficiency Ratio 16.79% below tier average
- + Delinquency Rate 0.72% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.11% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$566.4M
+4.5% YoY
+0.6% QoQ
|
+$179.9M |
$386.6M
+1.2% YoY
|
$2.4B
+2.9% YoY
|
$6.3B
+7.7% YoY
|
78% |
| Total Loans ? |
$306.1M
-1.3% YoY
-1.8% QoQ
|
+$47.8M |
$258.3M
+1.7% YoY
|
$1.7B
+5.8% YoY
|
$3.2B
+9.4% YoY
|
68% |
| Total Deposits ? |
$503.2M
+4.3% YoY
+1.0% QoQ
|
+$176.4M |
$326.7M
+0.7% YoY
|
$2.0B
+2.5% YoY
|
$4.9B
+7.3% YoY
|
80% |
| Return on Assets ? |
1.55%
+8.3% YoY
+1.3% QoQ
|
+0.23% |
1.32%
+10.8% YoY
|
1.32%
+8.9% YoY
|
1.30%
+12.1% YoY
|
68% |
| Net Interest Margin ? |
3.88%
+4.8% YoY
+2.7% QoQ
|
-0.11% |
3.99%
+5.0% YoY
|
4.10%
+6.0% YoY
|
3.95%
+4.9% YoY
|
47% |
| Efficiency Ratio ? |
47.69%
-7.2% YoY
-0.2% QoQ
|
-16.79% |
64.48%
-3.2% YoY
|
61.09%
-4.5% YoY
|
70.05%
+2.5% YoY
|
Top 12.5% in tier |
| Delinquency Rate ? |
0.20%
-42.9% YoY
-29.2% QoQ
|
-0.72% |
0.92%
+15.7% YoY
|
1.05%
+22.1% YoY
|
0.98%
+16.3% YoY
|
65% |
| Loan-to-Deposit Ratio ? |
60.84%
-5.4% YoY
-2.8% QoQ
|
-17.11% |
77.95%
+1.0% YoY
|
82.37%
+1.8% YoY
|
79.03%
+2.3% YoY
|
82% |
| Non-Interest-Bearing Deposit Share ? |
24.92%
+4.9% YoY
+4.2% QoQ
|
+2.89% |
22.03%
-0.6% YoY
|
19.62%
+0.3% YoY
|
21.98%
-0.6% YoY
|
66% |
| Nonperforming Asset Ratio ? |
0.11%
-46.1% YoY
-30.9% QoQ
|
-0.56% |
0.67%
+16.4% YoY
|
0.84%
+30.0% YoY
|
0.69%
+15.8% YoY
|
70% |
| Tier 1 Capital Ratio ? |
11.78%
+0.2% YoY
-1.7% QoQ
|
-4.13% |
15.91%
+1.4% YoY
|
13.64%
+0.9% YoY
|
17.09%
+0.8% YoY
|
33% |
| Non-Interest Income / Assets ? |
0.25%
-4.2% YoY
+91.3% QoQ
|
-0.32% |
0.57%
+7.6% YoY
|
0.36%
-4.6% YoY
|
0.66%
+5.2% YoY
|
63% |
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 (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
24.9%
+1.2pp YoY +1.0pp QoQ |
+2.8pp | 22.1% | 19.6% | 22.2% | 65% |
| Brokered Deposits | n/a | n/a | 7.9% | 7.2% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
7.6%
-0.4pp YoY +0.8pp QoQ |
-3.9pp | 11.6% | 12.7% | 12.5% | 37% |
| CRE |
52.3%
-2.5pp YoY -1.6pp QoQ |
+12.7pp | 39.5% | 41.0% | 41.4% | 74% |
| 1-4 Family |
33.5%
+3.6pp YoY +1.0pp QoQ |
+0.9pp | 32.6% | 28.1% | 31.3% | 59% |
| Consumer |
6.7%
-0.6pp YoY -0.1pp QoQ |
+2.5pp | 4.1% | 4.5% | 5.0% | 84% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 15.1% | 19.7% | n/a |
| Leverage Ratio |
11.8%
0.0pp YoY -0.2pp QoQ |
-0.4pp | 12.2% | 11.9% | 12.6% | 62% |
| Total Capital Ratio | n/a | n/a | 19.9% | 16.3% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
87
-4 (-4.4%) YoY 0 QoQ |
+28 | 58 | 315 | 482 | 81% |
| Assets per Employee ($) |
$6.5M
+9.3% YoY +0.6% QoQ |
-$1.0M | $7.5M | $6.7M | $8.8M | 43% |
| Branch Count |
9
0 YoY 0 QoQ |
+4 | 4 | 25 | 18 | 86% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.1% | 0.4% | 16% |
| Nonaccrual |
0.2%
-0.1pp YoY -0.1pp QoQ |
-0.7pp | 0.9% | 1.1% | 1.0% | 29% |
| Allowance Coverage |
7.55x
+89.5% YoY +44.9% QoQ |
-16.60x | 24.15x | 4.69x | 20.23x | 78% |
| Net Charge-off Rate (YTD) |
0.1%
-0.2pp YoY +0.1pp QoQ |
0.0pp | 0.1% | 0.2% | 0.2% | 77% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.2%
+0.6pp YoY +0.3pp QoQ |
+2.0pp | 12.2% | 12.3% | 11.6% | 63% |
| Cost of Funds (YTD) |
1.6%
-0.2pp YoY 0.0pp QoQ |
-0.1pp | 1.7% | 2.0% | 1.7% | 41% |
| Net Income ($, YTD) |
$4.4M
+12.8% YoY — QoQ |
+$1.8M | $2.6M | $16.0M | $40.4M | 83% |
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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.