BlastPoint's Banking Scorecard

Citizens Bank

$100M-$1B Specialty: Commercial IN FDIC cert 9647

Designations: ✓ CDFI-certified

Mooresville, IN

9 branches across IN

2664 banks in the $100M-$1B peer group nationally 60 in IN

Citizens Bank has 1 strength but faces 5 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

+ Credit Quality Leader: Top 7.7% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 5.7% in tier
- Credit Risk Growth: Bottom 6.2% in tier
- Margin Compression: Bottom 20.0% in tier
- Cost Spiral: Bottom 89.7% in tier
- Net Interest Margin 0.54% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Total Assets ?	$699.7M +6.5% YoY +0.5% QoQ	+$313.6M	$386.1M +0.5% YoY	$2.5B +12.1% YoY	$6.2B +9.1% YoY	Top 12.7% in tier
Total Loans ?	$451.5M +3.4% YoY -0.6% QoQ	+$195.8M	$255.7M +1.1% YoY	$1.7B +14.1% YoY	$3.2B +10.8% YoY	85%
Total Deposits ?	$634.5M +6.3% YoY +1.1% QoQ	+$306.5M	$328.0M +0.1% YoY	$2.0B +11.8% YoY	$4.8B +8.2% YoY	Top 10.5% in tier
Return on Assets ?	0.98% -23.6% YoY -3.0% QoQ	-0.29%	1.27% +12.9% YoY	0.81% -6.6% YoY	1.23% +13.4% YoY	37%
Net Interest Margin ?	3.39% -2.1% YoY -1.2% QoQ	-0.54%	3.93% +6.0% YoY	3.60% +8.5% YoY	3.89% +5.7% YoY	26%
Efficiency Ratio ?	71.90% +13.1% YoY +3.7% QoQ	+6.61%	65.29% -4.5% YoY	105.71% +27.0% YoY	66.95% -4.1% YoY	28%
Delinquency Rate ?	0.05% +146.7% YoY +94.1% QoQ	-0.84%	0.89% +18.8% YoY	0.90% +15.9% YoY	0.95% +18.8% YoY	79%
Loan-to-Deposit Ratio ?	71.17% -2.8% YoY -1.7% QoQ	-5.47%	76.64% +0.8% YoY	81.10% +0.7% YoY	76.70% +0.9% YoY	64%
Non-Interest-Bearing Deposit Share ?	21.82% -3.2% YoY +6.0% QoQ	-0.20%	22.02% -1.0% YoY	17.15% -0.9% YoY	22.01% -1.2% YoY	53%
Nonperforming Asset Ratio ?	0.03% +139.6% YoY +92.1% QoQ	-0.61%	0.64% +19.7% YoY	0.67% +21.6% YoY	0.67% +19.3% YoY	81%
Tier 1 Capital Ratio ?	12.55% +1.1% YoY -1.4% QoQ	-3.28%	15.83% +1.5% YoY	16.04% +1.8% YoY	17.06% +0.8% YoY	42%
Non-Interest Income / Assets ?	0.14% -51.5% YoY -79.6% QoQ	-0.14%	0.28% +9.3% YoY	0.79% -14.5% YoY	0.32% +4.1% YoY	71%

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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)

Credit Quality Leader

growth

#52 of 664 • Top 7.7% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.05%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (4)

Credit Quality Pressure

risk

#75 of 1308 • Bottom 5.7% in tier

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

Why this signature

Delinquency Rate: 0.05%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ

Credit Risk Growth

risk

#61 of 973 • Bottom 6.2% in tier

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

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ

Margin Compression

decline

#62 of 305 • Bottom 20.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 0.98%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 banks QoQ

Cost Spiral

risk

#114 of 126 • Bottom 89.7% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 71.90%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

126 of 126 Community banks match · 176 nationally

↑ Growing +82 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 2664 peers in $100M-$1B

Top Strengths (5 metrics)

281

Total Deposits

size

Value: $634.47M

Peer Median: $327.97M

#281 of 2664 Top 10.5% in $100M-$1B

338

Total Assets

size

Value: $699.73M

Peer Median: $386.08M

#338 of 2664 Top 12.7% in $100M-$1B

405

Total Loans

size

Value: $451.52M

Peer Median: $255.72M

#405 of 2664 Top 15.2% in $100M-$1B

513

Nonperforming Asset Ratio

credit_quality

Value: 0.03%

Peer Median: 0.64%

#513 of 2664 Top 19.2% in $100M-$1B

547

Delinquency Rate

credit_quality

Value: 0.05%

Peer Median: 0.89%

#547 of 2654 Top 20.6% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available