BlastPoint's Banking Scorecard

Citizens Bank & Trust Co.

under $100M Specialty: Agricultural MS FDIC cert 9777

Designations: ✓ Community bank ✓ CDFI-certified

Marks, MS

2 branches across MS

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 536 banks in the under $100M peer group nationwide — 1 of 4 in MS.
Deposits -2.3% year over year ($83.0M on the books).
Delinquency rate 5.65%.
Return on assets 0.92%.
Efficiency ratio 76.41% vs a 119.40% peer average.
Loan-to-deposit ratio 83.18% vs a 74.21% peer average.

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

536 banks in the under $100M peer group nationally 4 in MS

View under $100M leaderboard (MS) →

Citizens Bank & Trust Co. has 2 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

+ Net Interest Margin 1.56% above tier average
+ Efficiency Ratio 42.98% below tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 4.17% above tier average
- Nonperforming Asset Ratio 3.98% above tier average
- ROA 0.08% below tier average

Get updates when Citizens Bank & Trust Co. releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Total Assets ?	$98.6M -1.5% YoY -6.5% QoQ	+$36.1M	$62.4M -0.0% YoY	$2.3B +4.7% YoY	$6.3B +7.7% YoY	Top 1.3% in tier
Total Loans ?	$69.1M +3.9% YoY +10.4% QoQ	+$34.2M	$34.9M -0.6% YoY	$1.6B +6.5% YoY	$3.2B +9.4% YoY	Top 6.3% in tier
Total Deposits ?	$83.0M -2.3% YoY -6.9% QoQ	+$31.4M	$51.6M -0.2% YoY	$1.9B +4.9% YoY	$4.9B +7.3% YoY	Top 5.8% in tier
Return on Assets ?	0.92% +9.8% YoY +2.0% QoQ	-0.08%	1.00% +3.5% YoY	1.27% +12.8% YoY	1.30% +12.1% YoY	47%
Net Interest Margin ?	5.48% +6.3% YoY +0.4% QoQ	+1.56%	3.91% +2.3% YoY	4.02% +5.6% YoY	3.95% +4.9% YoY	Top 5.6% in tier
Efficiency Ratio ?	76.41% -3.2% YoY +1.5% QoQ	-42.98%	119.40% +49.6% YoY	65.83% -2.8% YoY	70.05% +2.5% YoY	40%
Delinquency Rate ?	5.65% +15.9% YoY +23.5% QoQ	+4.17%	1.48% +31.8% YoY	1.03% +6.0% YoY	0.98% +16.3% YoY	Bottom 4.8% in tier
Loan-to-Deposit Ratio ?	83.18% +6.4% YoY +18.5% QoQ	+8.97%	74.21% +12.6% YoY	72.48% +3.6% YoY	79.03% +2.3% YoY	25%
Non-Interest-Bearing Deposit Share ?	29.56% -4.6% YoY -7.3% QoQ	+6.07%	23.49% +0.6% YoY	22.74% -2.6% YoY	21.98% -0.6% YoY	73%
Nonperforming Asset Ratio ?	4.82% +16.4% YoY +36.5% QoQ	+3.98%	0.84% +23.0% YoY	0.80% +11.3% YoY	0.69% +15.8% YoY	Bottom 3.0% in tier
Tier 1 Capital Ratio ?	16.95% +4.6% YoY -4.8% QoQ	-10.17%	27.13% +3.0% YoY	13.77% -2.2% YoY	17.09% +0.8% YoY	58%
Non-Interest Income / Assets ?	0.34% -3.2% YoY +118.6% QoQ	-1.04%	1.38% +6.3% YoY	0.38% +2.4% YoY	0.66% +5.2% YoY	Top 13.8% in tier

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 (MS)	National Avg	Tier Percentile
Noninterest-Bearing	29.6% -1.4pp YoY -2.3pp QoQ	+4.9pp	24.6%	23.1%	22.2%	72%
Brokered Deposits	3.2% +0.9pp YoY	-6.6pp	9.8%	3.8%	8.5%	28%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
C&I	8.0% -1.3pp YoY -1.5pp QoQ	-5.4pp	13.4%	12.4%	12.5%	39%
CRE	14.3% -1.1pp QoQ	-11.0pp	25.2%	42.3%	41.4%	28%
1-4 Family	20.7% +2.4pp YoY +1.2pp QoQ	-14.3pp	35.0%	33.1%	31.3%	37%
Consumer	3.6% -0.3pp YoY -0.3pp QoQ	-4.1pp	7.7%	5.6%	5.0%	37%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
CET1 Ratio	16.9% +0.7pp YoY -0.9pp QoQ	-21.7pp	38.7%	16.5%	19.7%	34%
Leverage Ratio	14.0% +1.2pp YoY +1.6pp QoQ	-3.7pp	17.7%	11.9%	12.6%	62%
Total Capital Ratio	18.2% +0.7pp YoY -0.9pp QoQ	-21.5pp	39.7%	17.7%	20.8%	34%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Full-Time Employees	30 0 YoY 0 QoQ	+18	12	297	482	98%
Assets per Employee ($)	$3.3M -1.5% YoY -6.5% QoQ	-$2.9M	$6.2M	$6.2M	$8.8M	10%
Branch Count	2 0 YoY 0 QoQ	+0	1	22	18	63%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
Past Due 90+ Days	3.8% +2.0pp YoY +1.8pp QoQ	+2.8pp	1.0%	0.3%	0.4%	95%
Nonaccrual	2.9% -1.4pp YoY -0.9pp QoQ	+1.1pp	1.7%	0.9%	1.0%	86%
Allowance Coverage	0.48x -19.6% YoY -27.3% QoQ	-5.93x	6.41x	4.87x	20.23x	19%
Net Charge-off Rate (YTD)	0.7% +0.5pp YoY -0.6pp QoQ	+0.6pp	0.2%	0.1%	0.2%	92%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MS)	National Avg	Tier Percentile
ROE	6.7% 0.0pp YoY 0.0pp QoQ	+0.3pp	6.4%	11.7%	11.6%	40%
Cost of Funds (YTD)	1.6% -0.2pp YoY 0.0pp QoQ	+0.2pp	1.4%	1.8%	1.7%	62%
Net Income ($, YTD)	$468,000 +8.1% YoY — QoQ	+$150K	$317,817	$13.8M	$40.4M	70%

Get Full Access to Citizens Bank & Trust Co.

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 (0)

No matched strength signatures this quarter

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 536 peers in under $100M

Top Strengths (5 metrics)

Total Assets

size

Value: $98.55M

Peer Median: $62.44M

#8 of 536 Top 1.3% in under $100M

Net Interest Margin

profitability

Value: 5.48%

Peer Median: 3.91%

#31 of 536 Top 5.6% in under $100M

Total Deposits

size

Value: $83.05M

Peer Median: $51.62M

#32 of 536 Top 5.8% in under $100M

Total Loans

size

Value: $69.08M

Peer Median: $34.89M

#35 of 536 Top 6.3% in under $100M

Non-Interest Income / Assets

revenue_mix

Value: 0.34%

Peer Median: 1.38%

#75 of 536 Top 13.8% in under $100M

Top Weaknesses (3 metrics)

521

Nonperforming Asset Ratio

credit_quality

Value: 4.82%

Peer Median: 0.84%

#521 of 536 Bottom 3.0% in under $100M

493

Delinquency Rate

credit_quality

Value: 5.65%

Peer Median: 1.48%

#493 of 517 Bottom 4.8% in under $100M

404

Loan-to-Deposit Ratio

liquidity

Value: 83.18%

Peer Median: 74.21%

#404 of 536 Bottom 24.8% in under $100M