BlastPoint's Banking Scorecard
Citizens State Bank
Micro
Specialty: Agricultural
IL
FDIC cert 10474
Designations: ✓ Community bank
Lena, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Citizens State Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 13.86% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$497.9M
+20.1% YoY
+11.2% QoQ
|
+$280.4M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
Top 1% in tier |
| Total Loans ? |
$293.0M
+4.2% YoY
+4.4% QoQ
|
+$153.8M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Top 9% in tier |
| Total Deposits ? |
$447.7M
+20.0% YoY
+11.8% QoQ
|
+$264.0M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
Top 1% in tier |
| Return on Assets ? |
1.46%
+7.7% YoY
+2.8% QoQ
|
+0.38% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
73% |
| Net Interest Margin ? |
3.59%
+8.7% YoY
-0.5% QoQ
|
-0.26% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
38% |
| Efficiency Ratio ? |
53.80%
-8.3% YoY
-1.6% QoQ
|
-13.93% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
84% |
| Delinquency Rate ? |
1.68%
+292.2% YoY
-22.0% QoQ
|
+1.04% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
16% |
| Loan-to-Deposit Ratio ? |
65.45%
-13.2% YoY
-6.7% QoQ
|
-9.08% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
32% |
| Non-Interest-Bearing Deposit Share ? |
8.53%
-9.2% YoY
-1.1% QoQ
|
-13.86% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 9% in tier |
| Nonperforming Asset Ratio ? |
1.01%
+224.5% YoY
-26.3% QoQ
|
+0.56% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
19% |
| Tier 1 Capital Ratio ? |
15.08%
+3.2% YoY
-5.7% QoQ
|
+6.23% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
73% |
| Non-Interest Income / Assets ? |
0.53%
-7.6% YoY
+26.2% QoQ
|
-0.04% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
72% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 9%
in Micro
Why this stands out
Current:
8.53%
(Tier avg: 22.39%, National avg: 21.79%)
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
100
100th pctile
Total Deposits
Current: $447.7M · Tier avg: $183.7M
100
100th pctile
Total Assets
Current: $497.9M · Tier avg: $217.5M
91
91th pctile
Total Loans
Current: $293.0M · Tier avg: $139.2M
84
84th pctile
Efficiency Ratio
Current: 53.80% · Tier avg: 67.73%
73
73th pctile
Return on Assets
Current: 1.46% · Tier avg: 1.08%
73
73th pctile
Tier 1 Capital Ratio
Current: 15.08% · Tier avg: 8.85%
72
72th pctile
Non-Interest Income / Assets
Current: 0.53% · Tier avg: 0.56%
38
38th pctile
Net Interest Margin
Current: 3.59% · Tier avg: 3.85%
32
32th pctile
Loan-to-Deposit Ratio
Current: 65.45% · Tier avg: 74.53%
19
19th pctile
Nonperforming Asset Ratio
Current: 1.01% · Tier avg: 0.45%
16
16th pctile
Delinquency Rate
Current: 1.68% · Tier avg: 0.64%
9
9th pctile
Non-Interest-Bearing Deposit Share
Current: 8.53% · Tier avg: 22.39%
Top Weaknesses
9
9th pctile
Non-Interest-Bearing Deposit Share
Current: 8.53% · Tier avg: 22.39%
16
16th pctile
Delinquency Rate
Current: 1.68% · Tier avg: 0.64%
19
19th pctile
Nonperforming Asset Ratio
Current: 1.01% · Tier avg: 0.45%
32
32th pctile
Loan-to-Deposit Ratio
Current: 65.45% · Tier avg: 74.53%
38
38th pctile
Net Interest Margin
Current: 3.59% · Tier avg: 3.85%
72
72th pctile
Non-Interest Income / Assets
Current: 0.53% · Tier avg: 0.56%
73
73th pctile
Tier 1 Capital Ratio
Current: 15.08% · Tier avg: 8.85%
73
73th pctile
Return on Assets
Current: 1.46% · Tier avg: 1.08%
84
84th pctile
Efficiency Ratio
Current: 53.80% · Tier avg: 67.73%
91
91th pctile
Total Loans
Current: $293.0M · Tier avg: $139.2M
100
100th pctile
Total Assets
Current: $497.9M · Tier avg: $217.5M
100
100th pctile
Total Deposits
Current: $447.7M · Tier avg: $183.7M