BlastPoint's Banking Scorecard
Citizens Savings Bank
Micro
Specialty: Agricultural
IA
FDIC cert 12128
Designations: ✓ Community bank
Spillville, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
Citizens Savings Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.79% below tier
- - Non-Interest Income / Assets 0.49% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$144.8M
+4.7% YoY
+2.0% QoQ
|
-$72.7M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
36% |
| Total Loans ? |
$66.4M
+6.3% YoY
+0.5% QoQ
|
-$72.8M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
27% |
| Total Deposits ? |
$123.6M
+7.0% YoY
+5.7% QoQ
|
-$60.0M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
37% |
| Return on Assets ? |
0.45%
+94.9% YoY
-1.4% QoQ
|
-0.63% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
17% |
| Net Interest Margin ? |
2.06%
+19.2% YoY
+1.6% QoQ
|
-1.79% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 2% in tier |
| Efficiency Ratio ? |
73.45%
-12.6% YoY
+4.1% QoQ
|
+5.73% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
32% |
| Delinquency Rate ? |
0.11%
+160.6% YoY
-84.7% QoQ
|
-0.53% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
70% |
| Loan-to-Deposit Ratio ? |
53.71%
-0.7% YoY
-5.0% QoQ
|
-20.81% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
83% |
| Non-Interest-Bearing Deposit Share ? |
12.23%
+0.1% YoY
+10.7% QoQ
|
-10.16% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
16% |
| Nonperforming Asset Ratio ? |
0.05%
+164.5% YoY
-84.9% QoQ
|
-0.40% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
74% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.08%
-15.9% YoY
+23.6% QoQ
|
-0.49% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 5% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Net Interest Margin
metric
Bottom 2%
in Micro
Why this stands out
Current:
2.06%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest Income / Assets
metric
Bottom 5%
in Micro
Why this stands out
Current:
0.08%
(Tier avg: 0.56%, National avg: 0.65%)
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
83
83th pctile
Loan-to-Deposit Ratio
Current: 53.71% · Tier avg: 74.53%
74
74th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.45%
70
70th pctile
Delinquency Rate
Current: 0.11% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
37
37th pctile
Total Deposits
Current: $123.6M · Tier avg: $183.7M
36
36th pctile
Total Assets
Current: $144.8M · Tier avg: $217.5M
32
32th pctile
Efficiency Ratio
Current: 73.45% · Tier avg: 67.73%
27
27th pctile
Total Loans
Current: $66.4M · Tier avg: $139.2M
17
17th pctile
Return on Assets
Current: 0.45% · Tier avg: 1.08%
16
16th pctile
Non-Interest-Bearing Deposit Share
Current: 12.23% · Tier avg: 22.39%
5
5th pctile
Non-Interest Income / Assets
Current: 0.08% · Tier avg: 0.56%
2
2th pctile
Net Interest Margin
Current: 2.06% · Tier avg: 3.85%
Top Weaknesses
2
2th pctile
Net Interest Margin
Current: 2.06% · Tier avg: 3.85%
5
5th pctile
Non-Interest Income / Assets
Current: 0.08% · Tier avg: 0.56%
16
16th pctile
Non-Interest-Bearing Deposit Share
Current: 12.23% · Tier avg: 22.39%
17
17th pctile
Return on Assets
Current: 0.45% · Tier avg: 1.08%
27
27th pctile
Total Loans
Current: $66.4M · Tier avg: $139.2M
32
32th pctile
Efficiency Ratio
Current: 73.45% · Tier avg: 67.73%
36
36th pctile
Total Assets
Current: $144.8M · Tier avg: $217.5M
37
37th pctile
Total Deposits
Current: $123.6M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
70
70th pctile
Delinquency Rate
Current: 0.11% · Tier avg: 0.64%
74
74th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.45%
83
83th pctile
Loan-to-Deposit Ratio
Current: 53.71% · Tier avg: 74.53%