BlastPoint's Banking Scorecard
The Citizens State Bank
Micro
Specialty: Agricultural
KS
FDIC cert 14269
Designations: ✓ Community bank
Marysville, KS
2498
banks in Micro tier nationally
145 in KS
View Micro leaderboard (KS) →
The Citizens State Bank demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 0.98% above tier
- + Efficiency Ratio 28.43% below 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 (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$430.2M
+3.5% YoY
+3.2% QoQ
|
+$212.7M |
$217.5M
+2.3% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
Top 8% in tier |
| Total Loans ? |
$328.2M
+3.6% YoY
+2.8% QoQ
|
+$189.0M |
$139.2M
+2.8% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Top 4% in tier |
| Total Deposits ? |
$364.8M
+5.4% YoY
+7.1% QoQ
|
+$181.1M |
$183.7M
+1.8% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
Top 8% in tier |
| Return on Assets ? |
2.07%
+3.6% YoY
-5.6% QoQ
|
+0.98% |
1.08%
+14.7% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
Top 8% in tier |
| Net Interest Margin ? |
3.64%
+0.7% YoY
-0.5% QoQ
|
-0.21% |
3.85%
+6.6% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
41% |
| Efficiency Ratio ? |
39.30%
-2.1% YoY
+1.1% QoQ
|
-28.43% |
67.73%
-4.8% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 2% in tier |
| Delinquency Rate ? |
1.41%
+3.4% QoQ
|
+0.77% |
0.64%
+24.4% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
20% |
| Loan-to-Deposit Ratio ? |
89.96%
-1.7% YoY
-4.0% QoQ
|
+15.43% |
74.53%
+0.5% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
77% |
| Non-Interest-Bearing Deposit Share ? |
11.71%
-11.7% YoY
+0.0% QoQ
|
-10.69% |
22.39%
-1.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
Bottom 15% in tier |
| Nonperforming Asset Ratio ? |
1.07%
+2.9% QoQ
|
+0.62% |
0.45%
+25.1% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
18% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.28%
+45.7% YoY
+13.9% QoQ
|
-0.29% |
0.56%
+0.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
36% |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 8%
in Micro
Why this stands out
Current:
2.07%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Top 2%
in Micro
Why this stands out
Current:
39.30%
(Tier avg: 67.73%, National avg: 65.09%)
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
98
98th pctile
Efficiency Ratio
Current: 39.30% · Tier avg: 67.73%
96
96th pctile
Total Loans
Current: $328.2M · Tier avg: $139.2M
92
92th pctile
Total Deposits
Current: $364.8M · Tier avg: $183.7M
92
92th pctile
Total Assets
Current: $430.2M · Tier avg: $217.5M
92
92th pctile
Return on Assets
Current: 2.07% · Tier avg: 1.08%
77
77th pctile
Loan-to-Deposit Ratio
Current: 89.96% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
41
41th pctile
Net Interest Margin
Current: 3.64% · Tier avg: 3.85%
36
36th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.56%
20
20th pctile
Delinquency Rate
Current: 1.41% · Tier avg: 0.64%
18
18th pctile
Nonperforming Asset Ratio
Current: 1.07% · Tier avg: 0.45%
15
15th pctile
Non-Interest-Bearing Deposit Share
Current: 11.71% · Tier avg: 22.39%
Top Weaknesses
15
15th pctile
Non-Interest-Bearing Deposit Share
Current: 11.71% · Tier avg: 22.39%
18
18th pctile
Nonperforming Asset Ratio
Current: 1.07% · Tier avg: 0.45%
20
20th pctile
Delinquency Rate
Current: 1.41% · Tier avg: 0.64%
36
36th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.56%
41
41th pctile
Net Interest Margin
Current: 3.64% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
77
77th pctile
Loan-to-Deposit Ratio
Current: 89.96% · Tier avg: 74.53%
92
92th pctile
Return on Assets
Current: 2.07% · Tier avg: 1.08%
92
92th pctile
Total Assets
Current: $430.2M · Tier avg: $217.5M
92
92th pctile
Total Deposits
Current: $364.8M · Tier avg: $183.7M
96
96th pctile
Total Loans
Current: $328.2M · Tier avg: $139.2M
98
98th pctile
Efficiency Ratio
Current: 39.30% · Tier avg: 67.73%