BlastPoint's Banking Scorecard
Citizens Bank
Micro
Specialty: Commercial
MO
FDIC cert 14488
Designations: ✓ Community bank
New Haven, MO
2498
banks in Micro tier nationally
125 in MO
View Micro leaderboard (MO) →
Citizens 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
- - Loan-to-Deposit Ratio 29.66% above tier
- - Nonperforming Asset Ratio 1.67% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$350.2M
+8.1% YoY
-3.8% QoQ
|
+$132.7M |
$217.5M
+2.3% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
80% |
| Total Loans ? |
$313.0M
+7.1% YoY
-1.6% QoQ
|
+$173.8M |
$139.2M
+2.8% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
Top 6% in tier |
| Total Deposits ? |
$300.4M
+7.9% YoY
-4.5% QoQ
|
+$116.8M |
$183.7M
+1.8% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
81% |
| Return on Assets ? |
1.14%
+15.8% YoY
-0.4% QoQ
|
+0.05% |
1.08%
+14.7% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
55% |
| Net Interest Margin ? |
4.22%
+4.5% YoY
+1.0% QoQ
|
+0.36% |
3.85%
+6.6% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
69% |
| Efficiency Ratio ? |
66.04%
-4.4% YoY
+1.4% QoQ
|
-1.69% |
67.73%
-4.8% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
50% |
| Delinquency Rate ? |
2.37%
+60.9% YoY
+4.0% QoQ
|
+1.73% |
0.64%
+24.4% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
Bottom 10% in tier |
| Loan-to-Deposit Ratio ? |
104.19%
-0.8% YoY
+3.0% QoQ
|
+29.66% |
74.53%
+0.5% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
Bottom 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
24.03%
-6.3% YoY
+3.5% QoQ
|
+1.64% |
22.39%
-1.3% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
60% |
| Nonperforming Asset Ratio ? |
2.12%
+59.4% YoY
+6.4% QoQ
|
+1.67% |
0.45%
+25.1% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 6% in tier |
| Tier 1 Capital Ratio ? |
14.27%
+7.2% YoY
+5.1% QoQ
|
+5.42% |
8.85%
-3.4% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
70% |
| Non-Interest Income / Assets ? |
0.30%
+1.8% YoY
+50.0% QoQ
|
-0.26% |
0.56%
+0.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
41% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Loan-to-Deposit Ratio
metric
Bottom 6%
in Micro
Why this stands out
Current:
104.19%
(Tier avg: 74.53%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Bottom 6%
in Micro
Why this stands out
Current:
2.12%
(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
94
94th pctile
Total Loans
Current: $313.0M · Tier avg: $139.2M
81
81th pctile
Total Deposits
Current: $300.4M · Tier avg: $183.7M
80
80th pctile
Total Assets
Current: $350.2M · Tier avg: $217.5M
70
70th pctile
Tier 1 Capital Ratio
Current: 14.27% · Tier avg: 8.85%
69
69th pctile
Net Interest Margin
Current: 4.22% · Tier avg: 3.85%
60
60th pctile
Non-Interest-Bearing Deposit Share
Current: 24.03% · Tier avg: 22.39%
55
55th pctile
Return on Assets
Current: 1.14% · Tier avg: 1.08%
50
50th pctile
Efficiency Ratio
Current: 66.04% · Tier avg: 67.73%
41
41th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.56%
10
10th pctile
Delinquency Rate
Current: 2.37% · Tier avg: 0.64%
6
6th pctile
Nonperforming Asset Ratio
Current: 2.12% · Tier avg: 0.45%
6
6th pctile
Loan-to-Deposit Ratio
Current: 104.19% · Tier avg: 74.53%
Top Weaknesses
6
6th pctile
Loan-to-Deposit Ratio
Current: 104.19% · Tier avg: 74.53%
6
6th pctile
Nonperforming Asset Ratio
Current: 2.12% · Tier avg: 0.45%
10
10th pctile
Delinquency Rate
Current: 2.37% · Tier avg: 0.64%
41
41th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.56%
50
50th pctile
Efficiency Ratio
Current: 66.04% · Tier avg: 67.73%
55
55th pctile
Return on Assets
Current: 1.14% · Tier avg: 1.08%
60
60th pctile
Non-Interest-Bearing Deposit Share
Current: 24.03% · Tier avg: 22.39%
69
69th pctile
Net Interest Margin
Current: 4.22% · Tier avg: 3.85%
70
70th pctile
Tier 1 Capital Ratio
Current: 14.27% · Tier avg: 8.85%
80
80th pctile
Total Assets
Current: $350.2M · Tier avg: $217.5M
81
81th pctile
Total Deposits
Current: $300.4M · Tier avg: $183.7M
94
94th pctile
Total Loans
Current: $313.0M · Tier avg: $139.2M