BlastPoint's Banking Scorecard

Citizens Bank

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

Carthage, TN

7 branches across TN

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 72 in TN.
Deposits +1.9% year over year ($716.0M on the books).
Delinquency rate 0.63%.
Return on assets 2.05%.
Efficiency ratio 28.28% vs a 64.48% peer average.
Loan-to-deposit ratio 64.44% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 72 in TN

View $100M-$1B leaderboard (TN) →

Citizens Bank has 3 strengths but faces 3 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

+ Profitability Leader: Top 37.5% in tier
+ Efficiency Ratio 36.20% below tier average
+ Delinquency Rate 0.29% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 23.8% in tier
- Credit Quality Pressure: Bottom 28.7% in tier
- Net Interest Margin 0.29% below tier average

Get updates when Citizens Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Total Assets ?	$832.5M +4.0% YoY -0.2% QoQ	+$445.9M	$386.6M +1.2% YoY	$2.9B +37.8% YoY	$6.3B +7.7% YoY	Top 6.5% in tier
Total Loans ?	$461.4M +6.7% YoY +2.9% QoQ	+$203.0M	$258.3M +1.7% YoY	$2.1B +37.6% YoY	$3.2B +9.4% YoY	Top 14.6% in tier
Total Deposits ?	$716.0M +1.9% YoY -1.2% QoQ	+$389.3M	$326.7M +0.7% YoY	$2.4B +35.4% YoY	$4.9B +7.3% YoY	Top 5.8% in tier
Return on Assets ?	2.05% +16.0% YoY +0.9% QoQ	+0.73%	1.32% +10.8% YoY	1.13% +12.0% YoY	1.30% +12.1% YoY	Top 12.1% in tier
Net Interest Margin ?	3.69% +8.8% YoY +1.9% QoQ	-0.29%	3.99% +5.0% YoY	3.99% +5.6% YoY	3.95% +4.9% YoY	36%
Efficiency Ratio ?	28.28% -9.0% YoY -0.1% QoQ	-36.20%	64.48% -3.2% YoY	65.40% -4.8% YoY	70.05% +2.5% YoY	Top 0.6% in tier
Delinquency Rate ?	0.63% +9.0% YoY +15.5% QoQ	-0.29%	0.92% +15.7% YoY	0.70% +6.5% YoY	0.98% +16.3% YoY	41%
Loan-to-Deposit Ratio ?	64.44% +4.7% YoY +4.1% QoQ	-13.51%	77.95% +1.0% YoY	81.19% +2.5% YoY	79.03% +2.3% YoY	77%
Non-Interest-Bearing Deposit Share ?	22.00% +8.2% YoY -2.9% QoQ	-0.03%	22.03% -0.6% YoY	18.80% -1.8% YoY	21.98% -0.6% YoY	54%
Nonperforming Asset Ratio ?	0.35% +11.8% YoY +19.1% QoQ	-0.32%	0.67% +16.4% YoY	0.58% +9.8% YoY	0.69% +15.8% YoY	48%
Tier 1 Capital Ratio ?	16.29% +0.9% YoY +2.5% QoQ	+0.38%	15.91% +1.4% YoY	14.06% -1.8% YoY	17.09% +0.8% YoY	74%
Non-Interest Income / Assets ?	0.10% +3.2% YoY +118.3% QoQ	-0.46%	0.57% +7.6% YoY	0.34% -6.5% YoY	0.66% +5.2% YoY	19%

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 (TN)	National Avg	Tier Percentile
Noninterest-Bearing	22.0% +1.7pp YoY -0.7pp QoQ	-0.1pp	22.1%	18.8%	22.2%	54%
Brokered Deposits	n/a	n/a	7.9%	9.4%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
C&I	8.6% +0.9pp YoY -0.6pp QoQ	-2.9pp	11.6%	10.9%	12.5%	44%
CRE	61.3% +0.8pp YoY +0.2pp QoQ	+21.8pp	39.5%	42.4%	41.4%	86%
1-4 Family	20.4% +0.4pp YoY +0.7pp QoQ	-12.2pp	32.6%	39.8%	31.3%	31%
Consumer	6.5% -1.4pp YoY -0.1pp QoQ	+2.4pp	4.1%	4.5%	5.0%	84%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	14.8%	19.7%	n/a
Leverage Ratio	16.3% +0.1pp YoY +0.4pp QoQ	+4.1pp	12.2%	11.4%	12.6%	91%
Total Capital Ratio	n/a	n/a	19.9%	15.9%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Full-Time Employees	69 -1 (-1.4%) YoY 0 QoQ	+10	58	270	482	70%
Assets per Employee ($)	$12.1M +5.5% YoY -0.2% QoQ	+$4.5M	$7.5M	$7.1M	$8.8M	93%
Branch Count	7 0 YoY 0 QoQ	+2	4	17	18	75%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% +0.1pp YoY +0.1pp QoQ	-0.2pp	0.3%	0.2%	0.4%	54%
Nonaccrual	0.5% 0.0pp YoY 0.0pp QoQ	-0.4pp	0.9%	0.7%	1.0%	53%
Allowance Coverage	1.98x -4.5% YoY -13.5% QoQ	-22.17x	24.15x	28.97x	20.23x	47%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	44%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
ROE	15.6% +1.0pp YoY 0.0pp QoQ	+3.4pp	12.2%	10.9%	11.6%	71%
Cost of Funds (YTD)	1.9% -0.2pp YoY 0.0pp QoQ	+0.2pp	1.7%	2.0%	1.7%	66%
Net Income ($, YTD)	$8.5M +21.5% YoY — QoQ	+$6.0M	$2.6M	$16.7M	$40.4M	98%

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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

#249 of 661 • Top 37.5% in tier

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

Why this signature

Return on Assets: 2.05%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

Concerns (2)

Credit Risk Growth

risk

#224 of 936 • Bottom 23.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ

Credit Quality Pressure

risk

#362 of 1256 • Bottom 28.7% in tier

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

Why this signature

Delinquency Rate: 0.63%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ

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 2643 peers in $100M-$1B

Top Strengths (6 metrics)

Efficiency Ratio

profitability

Value: 28.28%

Peer Median: 64.48%

#18 of 2643 Top 0.6% in $100M-$1B

155

Total Deposits

size

Value: $715.99M

Peer Median: $326.73M

#155 of 2643 Top 5.8% in $100M-$1B

172

Total Assets

size

Value: $832.45M

Peer Median: $386.57M

#172 of 2643 Top 6.5% in $100M-$1B

320

Return on Assets

profitability

Value: 2.05%

Peer Median: 1.32%

#320 of 2643 Top 12.1% in $100M-$1B

387

Total Loans

size

Value: $461.39M

Peer Median: $258.35M

#387 of 2643 Top 14.6% in $100M-$1B

603

Loan-to-Deposit Ratio

liquidity

Value: 64.44%

Peer Median: 77.95%

#603 of 2643 Top 22.8% in $100M-$1B

Top Weaknesses (1 metrics)

2134

Non-Interest Income / Assets

revenue_mix

Value: 0.10%

Peer Median: 0.57%

#2134 of 2643 Bottom 19.3% in $100M-$1B