BlastPoint's Banking Scorecard
Citizens State Bank
Monticello, IA
8 branches across IA
Citizens State Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 0.42% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.07% below tier average
- - ROA 0.25% below tier average
- - Delinquency Rate 0.65% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$582.9M
+4.2% YoY
-2.3% QoQ
|
+$196.8M |
$386.1M
+0.5% YoY
|
$560.1M
+4.8% YoY
|
$6.2B
+9.1% YoY
|
79% |
| Total Loans ? |
$319.6M
+9.0% YoY
-2.1% QoQ
|
+$63.9M |
$255.7M
+1.1% YoY
|
$379.9M
+5.0% YoY
|
$3.2B
+10.8% YoY
|
70% |
| Total Deposits ? |
$530.4M
+2.9% YoY
-2.5% QoQ
|
+$202.4M |
$328.0M
+0.1% YoY
|
$469.6M
+4.4% YoY
|
$4.8B
+8.2% YoY
|
82% |
| Return on Assets ? |
1.02%
+80.3% YoY
+45.6% QoQ
|
-0.25% |
1.27%
+12.9% YoY
|
1.31%
+22.6% YoY
|
1.23%
+13.4% YoY
|
39% |
| Net Interest Margin ? |
2.86%
+12.6% YoY
+10.6% QoQ
|
-1.07% |
3.93%
+6.0% YoY
|
3.52%
+10.3% YoY
|
3.89%
+5.7% YoY
|
Bottom 7.7% in tier |
| Efficiency Ratio ? |
64.87%
-3.0% YoY
-2.2% QoQ
|
-0.42% |
65.29%
-4.5% YoY
|
58.40%
-7.6% YoY
|
66.95%
-4.1% YoY
|
45% |
| Delinquency Rate ? |
1.53%
+0.3% QoQ
|
+0.65% |
0.89%
+18.8% YoY
|
0.92%
+14.5% YoY
|
0.95%
+18.8% YoY
|
18% |
| Loan-to-Deposit Ratio ? |
60.26%
+5.9% YoY
+0.4% QoQ
|
-16.37% |
76.64%
+0.8% YoY
|
77.40%
+1.1% YoY
|
76.70%
+0.9% YoY
|
81% |
| Non-Interest-Bearing Deposit Share ? |
14.53%
-7.2% YoY
-9.9% QoQ
|
-7.49% |
22.02%
-1.0% YoY
|
17.87%
+0.7% YoY
|
22.01%
-1.2% YoY
|
22% |
| Nonperforming Asset Ratio ? |
0.87%
+0.5% QoQ
|
+0.23% |
0.64%
+19.7% YoY
|
0.58%
+11.7% YoY
|
0.67%
+19.3% YoY
|
23% |
| Tier 1 Capital Ratio ? |
11.37%
+4.1% YoY
+5.5% QoQ
|
-4.46% |
15.83%
+1.5% YoY
|
14.34%
+1.8% YoY
|
17.06%
+0.8% YoY
|
28% |
| Non-Interest Income / Assets ? |
0.17%
+1.8% YoY
-74.2% QoQ
|
-0.11% |
0.28%
+9.3% YoY
|
0.12%
+10.7% YoY
|
0.32%
+4.1% YoY
|
80% |
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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.