BlastPoint's Banking Scorecard
Citizens Bank
Community
Specialty: Commercial
TN
FDIC cert 14851
Elizabethton, TN
1484
banks in Community tier nationally
47 in TN
View Community leaderboard (TN) →
Citizens Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 16% in Community
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 28% in Community
- - Credit Risk Growth: Bottom 33% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.3B
+6.3% YoY
+0.3% QoQ
|
-$43.2M |
$1.4B
+2.0% YoY
|
$2.2B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
65% |
| Total Loans ? |
$1.1B
+6.3% YoY
+0.0% QoQ
|
+$75.0M |
$975.5M
+2.4% YoY
|
$1.6B
+8.0% YoY
|
$3.1B
+8.5% YoY
|
69% |
| Total Deposits ? |
$1.1B
+5.3% YoY
-1.0% QoQ
|
-$28.5M |
$1.2B
+1.7% YoY
|
$1.9B
+7.5% YoY
|
$4.7B
+6.3% YoY
|
64% |
| Return on Assets ? |
1.83%
+6.4% YoY
+5.7% QoQ
|
+0.67% |
1.16%
+17.2% YoY
|
1.12%
+10.3% YoY
|
1.12%
+15.6% YoY
|
Top 13% in tier |
| Net Interest Margin ? |
4.25%
+2.4% YoY
+2.1% QoQ
|
+0.59% |
3.66%
+9.1% YoY
|
3.88%
+7.5% YoY
|
3.75%
+7.1% YoY
|
79% |
| Efficiency Ratio ? |
59.67%
-1.8% YoY
-1.5% QoQ
|
-2.96% |
62.63%
-5.3% YoY
|
65.37%
-3.6% YoY
|
65.09%
-5.1% YoY
|
58% |
| Delinquency Rate ? |
0.90%
+25.9% YoY
+8.2% QoQ
|
+0.28% |
0.63%
+18.3% YoY
|
0.47%
-3.0% YoY
|
0.66%
+20.3% YoY
|
28% |
| Loan-to-Deposit Ratio ? |
92.47%
+1.0% YoY
+1.1% QoQ
|
+9.40% |
83.06%
+0.3% YoY
|
80.28%
+1.8% YoY
|
78.04%
+0.7% YoY
|
72% |
| Non-Interest-Bearing Deposit Share ? |
14.28%
-5.0% YoY
-15.2% QoQ
|
-6.77% |
21.05%
-0.9% YoY
|
18.56%
-3.5% YoY
|
21.79%
-1.3% YoY
|
23% |
| Nonperforming Asset Ratio ? |
0.70%
+21.9% YoY
+7.9% QoQ
|
+0.21% |
0.50%
+20.3% YoY
|
0.45%
+14.3% YoY
|
0.48%
+20.8% YoY
|
29% |
| Tier 1 Capital Ratio ? |
14.52%
-5.0% YoY
-1.5% QoQ
|
+4.28% |
10.24%
-0.6% YoY
|
10.10%
+3.0% YoY
|
9.75%
-1.9% YoY
|
72% |
| Non-Interest Income / Assets ? |
1.50%
-9.3% YoY
+35.2% QoQ
|
+0.77% |
0.74%
-1.3% YoY
|
0.72%
-2.8% YoY
|
0.65%
+0.6% YoY
|
Top 7% in tier |
Signature Analysis
Strengths (1)
Revenue Diversifier
growth
#60 of 371 · Top 16% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.50%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.83%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Concerns (2)
Liquidity Strain
risk
#143 of 513 · Bottom 28% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
92.47%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank declining
Credit Risk Growth
risk
#215 of 642 · Bottom 33% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank declining
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
93
93th pctile
Non-Interest Income / Assets
Current: 1.50% · Tier avg: 0.74%
87
87th pctile
Return on Assets
Current: 1.83% · Tier avg: 1.16%
79
79th pctile
Net Interest Margin
Current: 4.25% · Tier avg: 3.66%
72
72th pctile
Tier 1 Capital Ratio
Current: 14.52% · Tier avg: 10.24%
72
72th pctile
Loan-to-Deposit Ratio
Current: 92.47% · Tier avg: 83.06%
69
69th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
65
65th pctile
Total Assets
Current: $1.3B · Tier avg: $1.4B
64
64th pctile
Total Deposits
Current: $1.1B · Tier avg: $1.2B
58
58th pctile
Efficiency Ratio
Current: 59.67% · Tier avg: 62.63%
29
29th pctile
Nonperforming Asset Ratio
Current: 0.70% · Tier avg: 0.50%
28
28th pctile
Delinquency Rate
Current: 0.90% · Tier avg: 0.63%
23
23th pctile
Non-Interest-Bearing Deposit Share
Current: 14.28% · Tier avg: 21.05%
Top Weaknesses
23
23th pctile
Non-Interest-Bearing Deposit Share
Current: 14.28% · Tier avg: 21.05%
28
28th pctile
Delinquency Rate
Current: 0.90% · Tier avg: 0.63%
29
29th pctile
Nonperforming Asset Ratio
Current: 0.70% · Tier avg: 0.50%
58
58th pctile
Efficiency Ratio
Current: 59.67% · Tier avg: 62.63%
64
64th pctile
Total Deposits
Current: $1.1B · Tier avg: $1.2B
65
65th pctile
Total Assets
Current: $1.3B · Tier avg: $1.4B
69
69th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
72
72th pctile
Loan-to-Deposit Ratio
Current: 92.47% · Tier avg: 83.06%
72
72th pctile
Tier 1 Capital Ratio
Current: 14.52% · Tier avg: 10.24%
79
79th pctile
Net Interest Margin
Current: 4.25% · Tier avg: 3.66%
87
87th pctile
Return on Assets
Current: 1.83% · Tier avg: 1.16%
93
93th pctile
Non-Interest Income / Assets
Current: 1.50% · Tier avg: 0.74%