BlastPoint's Banking Scorecard
Citizens State Bank of La Crosse
Community
Specialty: Commercial
WI
FDIC cert 1513
La Crosse, WI
1484
banks in Community tier nationally
63 in WI
View Community leaderboard (WI) →
Citizens State Bank of La Crosse has 4 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 4% in Community
- + Revenue Diversifier: Top 34% in Community
- + Efficiency Ratio 21.43% below tier
- + Loan-to-Deposit Ratio 19.74% above tier
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 2% in Community
- - Capital Thin: Bottom 3% in Community
- - Liquidity Strain: Bottom 26% in Community
- - NIB Deposit Bleed: Bottom 48% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$658.3M
-3.8% YoY
-0.8% QoQ
|
-$733.2M |
$1.4B
+2.0% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
23% |
| Total Loans ? |
$532.1M
-1.7% YoY
-2.4% QoQ
|
-$443.4M |
$975.5M
+2.4% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
35% |
| Total Deposits ? |
$517.6M
-6.4% YoY
-4.3% QoQ
|
-$647.0M |
$1.2B
+1.7% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
16% |
| Return on Assets ? |
2.59%
+28.5% YoY
+1.1% QoQ
|
+1.42% |
1.16%
+17.2% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
Top 2% in tier |
| Net Interest Margin ? |
3.88%
+3.6% YoY
+2.4% QoQ
|
+0.22% |
3.66%
+9.1% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
64% |
| Efficiency Ratio ? |
41.21%
-3.8% YoY
+3.9% QoQ
|
-21.43% |
62.63%
-5.3% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Top 5% in tier |
| Delinquency Rate ? |
1.71%
+58.5% YoY
+66.2% QoQ
|
+1.08% |
0.63%
+18.3% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
Bottom 13% in tier |
| Loan-to-Deposit Ratio ? |
102.80%
+5.0% YoY
+2.0% QoQ
|
+19.74% |
83.06%
+0.3% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
Top 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
19.27%
-15.8% YoY
+5.8% QoQ
|
-1.78% |
21.05%
-0.9% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
46% |
| Nonperforming Asset Ratio ? |
1.48%
+56.1% YoY
+57.0% QoQ
|
+0.98% |
0.50%
+20.3% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
Bottom 11% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.90%
+38.2% YoY
+40.4% QoQ
|
+0.16% |
0.74%
-1.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
83% |
Signature Analysis
Strengths (4)
Profitability Leader
growth
#16 of 371 · Top 4% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.59%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank declining
Revenue Diversifier
growth
#125 of 371 · Top 34% 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:
0.90%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
2.59%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Efficiency Ratio
metric
Top 5%
in Community
Why this stands out
Current:
41.21%
(Tier avg: 62.63%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Top 9%
in Community
Why this stands out
Current:
102.80%
(Tier avg: 83.06%, National avg: 78.04%)
Concerns (4)
Deposit Outflow
decline
#7 of 248 · Bottom 2% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
Capital Thin
risk
#14 of 432 · Bottom 3% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Liquidity Strain
risk
#132 of 513 · Bottom 26% 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:
102.80%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank declining
NIB Deposit Bleed
decline
#43 of 89 · Bottom 48% in Community
Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Why this signature
Noninterest-Bearing Deposit Share:
19.27%
(Tier: 21.05%, National: 21.79%)
89 of 89 Community banks match
·
98 nationally
→ Stable
-10 banks QoQ
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
Return on Assets
Current: 2.59% · Tier avg: 1.16%
95
95th pctile
Efficiency Ratio
Current: 41.21% · Tier avg: 62.63%
91
91th pctile
Loan-to-Deposit Ratio
Current: 102.80% · Tier avg: 83.06%
83
83th pctile
Non-Interest Income / Assets
Current: 0.90% · Tier avg: 0.74%
64
64th pctile
Net Interest Margin
Current: 3.88% · Tier avg: 3.66%
46
46th pctile
Non-Interest-Bearing Deposit Share
Current: 19.27% · Tier avg: 21.05%
35
35th pctile
Total Loans
Current: $532.1M · Tier avg: $975.5M
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
23
23th pctile
Total Assets
Current: $658.3M · Tier avg: $1.4B
16
16th pctile
Total Deposits
Current: $517.6M · Tier avg: $1.2B
13
13th pctile
Delinquency Rate
Current: 1.71% · Tier avg: 0.63%
11
11th pctile
Nonperforming Asset Ratio
Current: 1.48% · Tier avg: 0.50%
Top Weaknesses
11
11th pctile
Nonperforming Asset Ratio
Current: 1.48% · Tier avg: 0.50%
13
13th pctile
Delinquency Rate
Current: 1.71% · Tier avg: 0.63%
16
16th pctile
Total Deposits
Current: $517.6M · Tier avg: $1.2B
23
23th pctile
Total Assets
Current: $658.3M · Tier avg: $1.4B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
35
35th pctile
Total Loans
Current: $532.1M · Tier avg: $975.5M
46
46th pctile
Non-Interest-Bearing Deposit Share
Current: 19.27% · Tier avg: 21.05%
64
64th pctile
Net Interest Margin
Current: 3.88% · Tier avg: 3.66%
83
83th pctile
Non-Interest Income / Assets
Current: 0.90% · Tier avg: 0.74%
91
91th pctile
Loan-to-Deposit Ratio
Current: 102.80% · Tier avg: 83.06%
95
95th pctile
Efficiency Ratio
Current: 41.21% · Tier avg: 62.63%
98
98th pctile
Return on Assets
Current: 2.59% · Tier avg: 1.16%