BlastPoint's Banking Scorecard
The Citizens Bank
Micro
Specialty: Other
KY
FDIC cert 10520
Designations: ✓ Community bank
Morehead, KY
2498
banks in Micro tier nationally
83 in KY
View Micro leaderboard (KY) →
The Citizens Bank shows strong momentum with 1 strength and 14.4% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 0.91% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$232.0M
+14.4% YoY
+3.0% QoQ
|
+$14.5M |
$217.5M
+2.3% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
58% |
| Total Loans ? |
$145.8M
+4.7% YoY
+0.8% QoQ
|
+$6.6M |
$139.2M
+2.8% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
59% |
| Total Deposits ? |
$176.5M
+0.8% YoY
-0.1% QoQ
|
-$7.1M |
$183.7M
+1.8% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
53% |
| Return on Assets ? |
2.00%
+58.3% YoY
+3.4% QoQ
|
+0.91% |
1.08%
+14.7% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
Top 10% in tier |
| Net Interest Margin ? |
4.80%
+1.5% YoY
+0.8% QoQ
|
+0.95% |
3.85%
+6.6% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
Top 13% in tier |
| Efficiency Ratio ? |
60.92%
-17.8% YoY
-1.7% QoQ
|
-6.81% |
67.73%
-4.8% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
65% |
| Delinquency Rate ? |
0.03%
-63.1% YoY
-0.8% QoQ
|
-0.61% |
0.64%
+24.4% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
78% |
| Loan-to-Deposit Ratio ? |
82.59%
+3.8% YoY
+0.9% QoQ
|
+8.06% |
74.53%
+0.5% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
37% |
| Non-Interest-Bearing Deposit Share ? |
26.81%
-0.8% YoY
-8.0% QoQ
|
+4.42% |
22.39%
-1.3% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
70% |
| Nonperforming Asset Ratio ? |
0.02%
-66.2% YoY
-2.9% QoQ
|
-0.43% |
0.45%
+25.1% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
79% |
| Tier 1 Capital Ratio ? |
15.53%
+9.5% YoY
+2.2% QoQ
|
+6.68% |
8.85%
-3.4% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
74% |
| Non-Interest Income / Assets ? |
0.85%
+7.0% YoY
+30.8% QoQ
|
+0.29% |
0.56%
+0.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
Top 11% in tier |
Signature Analysis
Strengths (1)
Return on Assets
metric
Top 10%
in Micro
Why this stands out
Current:
2.00%
(Tier avg: 1.08%, National avg: 1.12%)
Concerns (0)
No concerns identified
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
90
90th pctile
Return on Assets
Current: 2.00% · Tier avg: 1.08%
89
89th pctile
Non-Interest Income / Assets
Current: 0.85% · Tier avg: 0.56%
87
87th pctile
Net Interest Margin
Current: 4.80% · Tier avg: 3.85%
79
79th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.45%
78
78th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.64%
74
74th pctile
Tier 1 Capital Ratio
Current: 15.53% · Tier avg: 8.85%
70
70th pctile
Non-Interest-Bearing Deposit Share
Current: 26.81% · Tier avg: 22.39%
65
65th pctile
Efficiency Ratio
Current: 60.92% · Tier avg: 67.73%
59
59th pctile
Total Loans
Current: $145.8M · Tier avg: $139.2M
58
58th pctile
Total Assets
Current: $232.0M · Tier avg: $217.5M
53
53th pctile
Total Deposits
Current: $176.5M · Tier avg: $183.7M
37
37th pctile
Loan-to-Deposit Ratio
Current: 82.59% · Tier avg: 74.53%
Top Weaknesses
37
37th pctile
Loan-to-Deposit Ratio
Current: 82.59% · Tier avg: 74.53%
53
53th pctile
Total Deposits
Current: $176.5M · Tier avg: $183.7M
58
58th pctile
Total Assets
Current: $232.0M · Tier avg: $217.5M
59
59th pctile
Total Loans
Current: $145.8M · Tier avg: $139.2M
65
65th pctile
Efficiency Ratio
Current: 60.92% · Tier avg: 67.73%
70
70th pctile
Non-Interest-Bearing Deposit Share
Current: 26.81% · Tier avg: 22.39%
74
74th pctile
Tier 1 Capital Ratio
Current: 15.53% · Tier avg: 8.85%
78
78th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.64%
79
79th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.45%
87
87th pctile
Net Interest Margin
Current: 4.80% · Tier avg: 3.85%
89
89th pctile
Non-Interest Income / Assets
Current: 0.85% · Tier avg: 0.56%
90
90th pctile
Return on Assets
Current: 2.00% · Tier avg: 1.08%