BlastPoint's Banking Scorecard
Citizens Savings Bank and Trust Company
Micro
Specialty: Commercial
TN
FDIC cert 10319
Designations: ✓ Community bank
Nashville, TN
2498
banks in Micro tier nationally
57 in TN
View Micro leaderboard (TN) →
Citizens Savings Bank and Trust Company faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 0.92% below tier
- - Delinquency Rate 2.55% above tier
- - Nonperforming Asset Ratio 2.83% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$183.4M
+1.4% YoY
-2.3% QoQ
|
-$34.1M |
$217.5M
+2.3% YoY
|
$2.2B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
47% |
| Total Loans ? |
$157.2M
+1.6% YoY
+0.4% QoQ
|
+$18.0M |
$139.2M
+2.8% YoY
|
$1.6B
+8.0% YoY
|
$3.1B
+8.5% YoY
|
63% |
| Total Deposits ? |
$164.8M
+1.2% YoY
-2.4% QoQ
|
-$18.9M |
$183.7M
+1.8% YoY
|
$1.9B
+7.5% YoY
|
$4.7B
+6.3% YoY
|
49% |
| Return on Assets ? |
0.16%
+122.1% YoY
+704.5% QoQ
|
-0.92% |
1.08%
+14.7% YoY
|
1.12%
+10.3% YoY
|
1.12%
+15.6% YoY
|
Bottom 9% in tier |
| Net Interest Margin ? |
3.42%
+1.7% YoY
+4.9% QoQ
|
-0.43% |
3.85%
+6.6% YoY
|
3.88%
+7.5% YoY
|
3.75%
+7.1% YoY
|
30% |
| Efficiency Ratio ? |
88.54%
-18.0% YoY
-4.5% QoQ
|
+20.81% |
67.73%
-4.8% YoY
|
65.37%
-3.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 10% in tier |
| Delinquency Rate ? |
3.19%
-3.1% YoY
+29.0% QoQ
|
+2.55% |
0.64%
+24.4% YoY
|
0.47%
-3.0% YoY
|
0.66%
+20.3% YoY
|
Bottom 6% in tier |
| Loan-to-Deposit Ratio ? |
95.37%
+0.4% YoY
+2.8% QoQ
|
+20.84% |
74.53%
+0.5% YoY
|
80.28%
+1.8% YoY
|
78.04%
+0.7% YoY
|
Top 14% in tier |
| Non-Interest-Bearing Deposit Share ? |
14.79%
+0.8% YoY
+8.2% QoQ
|
-7.60% |
22.39%
-1.3% YoY
|
18.56%
-3.5% YoY
|
21.79%
-1.3% YoY
|
22% |
| Nonperforming Asset Ratio ? |
3.28%
+6.8% YoY
+18.2% QoQ
|
+2.83% |
0.45%
+25.1% YoY
|
0.45%
+14.3% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
14.53%
+5.2% YoY
+1.7% QoQ
|
+5.68% |
8.85%
-3.4% YoY
|
10.10%
+3.0% YoY
|
9.75%
-1.9% YoY
|
70% |
| Non-Interest Income / Assets ? |
0.37%
+5.8% YoY
+48.6% QoQ
|
-0.20% |
0.56%
+0.3% YoY
|
0.72%
-2.8% YoY
|
0.65%
+0.6% YoY
|
51% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Return on Assets
metric
Bottom 9%
in Micro
Why this stands out
Current:
0.16%
(Tier avg: 1.08%, National avg: 1.12%)
Delinquency Rate
metric
Bottom 6%
in Micro
Why this stands out
Current:
3.19%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
3.28%
(Tier avg: 0.45%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
86
86th pctile
Loan-to-Deposit Ratio
Current: 95.37% · Tier avg: 74.53%
70
70th pctile
Tier 1 Capital Ratio
Current: 14.53% · Tier avg: 8.85%
63
63th pctile
Total Loans
Current: $157.2M · Tier avg: $139.2M
51
51th pctile
Non-Interest Income / Assets
Current: 0.37% · Tier avg: 0.56%
49
49th pctile
Total Deposits
Current: $164.8M · Tier avg: $183.7M
47
47th pctile
Total Assets
Current: $183.4M · Tier avg: $217.5M
30
30th pctile
Net Interest Margin
Current: 3.42% · Tier avg: 3.85%
22
22th pctile
Non-Interest-Bearing Deposit Share
Current: 14.79% · Tier avg: 22.39%
10
10th pctile
Efficiency Ratio
Current: 88.54% · Tier avg: 67.73%
9
9th pctile
Return on Assets
Current: 0.16% · Tier avg: 1.08%
6
6th pctile
Delinquency Rate
Current: 3.19% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 3.28% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 3.28% · Tier avg: 0.45%
6
6th pctile
Delinquency Rate
Current: 3.19% · Tier avg: 0.64%
9
9th pctile
Return on Assets
Current: 0.16% · Tier avg: 1.08%
10
10th pctile
Efficiency Ratio
Current: 88.54% · Tier avg: 67.73%
22
22th pctile
Non-Interest-Bearing Deposit Share
Current: 14.79% · Tier avg: 22.39%
30
30th pctile
Net Interest Margin
Current: 3.42% · Tier avg: 3.85%
47
47th pctile
Total Assets
Current: $183.4M · Tier avg: $217.5M
49
49th pctile
Total Deposits
Current: $164.8M · Tier avg: $183.7M
51
51th pctile
Non-Interest Income / Assets
Current: 0.37% · Tier avg: 0.56%
63
63th pctile
Total Loans
Current: $157.2M · Tier avg: $139.2M
70
70th pctile
Tier 1 Capital Ratio
Current: 14.53% · Tier avg: 8.85%
86
86th pctile
Loan-to-Deposit Ratio
Current: 95.37% · Tier avg: 74.53%