BlastPoint's Banking Scorecard

Citizens Bank

$100M-$1B Specialty: Commercial TN FDIC cert 893

Carthage, TN

7 branches across TN

2664 banks in the $100M-$1B peer group nationally 72 in TN

Citizens Bank has 3 strengths but faces 1 concern

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

+ Profitability Leader: Top 34.1% in tier
+ Efficiency Ratio 36.96% below tier average
+ Delinquency Rate 0.34% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.31% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Total Assets ?	$834.4M +4.6% YoY +0.4% QoQ	+$448.3M	$386.1M +0.5% YoY	$2.8B +35.7% YoY	$6.2B +9.1% YoY	Top 6.8% in tier
Total Loans ?	$448.4M +4.6% YoY +0.5% QoQ	+$192.7M	$255.7M +1.1% YoY	$2.0B +36.6% YoY	$3.2B +10.8% YoY	85%
Total Deposits ?	$724.4M +3.9% YoY +1.5% QoQ	+$396.4M	$328.0M +0.1% YoY	$2.4B +35.2% YoY	$4.8B +8.2% YoY	Top 5.4% in tier
Return on Assets ?	2.03% +24.0% YoY +8.3% QoQ	+0.76%	1.27% +12.9% YoY	1.12% +20.1% YoY	1.23% +13.4% YoY	Top 11.7% in tier
Net Interest Margin ?	3.62% +15.5% YoY +2.4% QoQ	-0.31%	3.93% +6.0% YoY	3.93% +7.0% YoY	3.89% +5.7% YoY	36%
Efficiency Ratio ?	28.32% -13.0% YoY -16.8% QoQ	-36.96%	65.29% -4.5% YoY	66.13% -5.5% YoY	66.95% -4.1% YoY	Top 0.6% in tier
Delinquency Rate ?	0.54% -8.5% YoY +5.6% QoQ	-0.34%	0.89% +18.8% YoY	0.68% +13.4% YoY	0.95% +18.8% YoY	43%
Loan-to-Deposit Ratio ?	61.90% +0.7% YoY -1.1% QoQ	-14.73%	76.64% +0.8% YoY	79.84% +2.1% YoY	76.70% +0.9% YoY	79%
Non-Interest-Bearing Deposit Share ?	22.65% +17.4% YoY +2.9% QoQ	+0.63%	22.02% -1.0% YoY	18.48% -3.8% YoY	22.01% -1.2% YoY	57%
Nonperforming Asset Ratio ?	0.29% -8.4% YoY +5.7% QoQ	-0.35%	0.64% +19.7% YoY	0.56% +16.1% YoY	0.67% +19.3% YoY	51%
Tier 1 Capital Ratio ?	15.89% +0.3% YoY -4.7% QoQ	+0.06%	15.83% +1.5% YoY	14.23% -1.0% YoY	17.06% +0.8% YoY	72%
Non-Interest Income / Assets ?	0.05% +0.5% YoY -76.5% QoQ	-0.23%	0.28% +9.3% YoY	0.17% -1.0% YoY	0.32% +4.1% YoY	18%

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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)

Profitability Leader

growth

#228 of 666 • Top 34.1% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.03%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

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)

Efficiency Ratio

profitability

Value: 28.32%

Peer Median: 65.29%

#17 of 2664 Top 0.6% in $100M-$1B

145

Total Deposits

size

Value: $724.41M

Peer Median: $327.97M

#145 of 2664 Top 5.4% in $100M-$1B

181

Total Assets

size

Value: $834.39M

Peer Median: $386.08M

#181 of 2664 Top 6.8% in $100M-$1B

313

Return on Assets

profitability

Value: 2.03%

Peer Median: 1.27%

#313 of 2664 Top 11.7% in $100M-$1B

410

Total Loans

size

Value: $448.43M

Peer Median: $255.72M

#410 of 2664 Top 15.4% in $100M-$1B

560

Loan-to-Deposit Ratio

liquidity

Value: 61.90%

Peer Median: 76.64%

#560 of 2664 Top 21.0% in $100M-$1B

Top Weaknesses (1 metrics)

2188

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.28%

#2188 of 2664 Bottom 17.9% in $100M-$1B