BlastPoint's Banking Scorecard
Citizens State Bank
Micro
Specialty: Agricultural
TX
FDIC cert 15519
Designations: ✓ Community bank
Miles, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
Citizens State Bank shows strong momentum with 2 strengths and 11.9% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.52% above tier
- + Efficiency Ratio 27.51% 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 (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$273.8M
+11.9% YoY
-1.7% QoQ
|
+$56.3M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
67% |
| Total Loans ? |
$203.0M
+9.6% YoY
-0.2% QoQ
|
+$63.9M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
75% |
| Total Deposits ? |
$244.8M
+11.6% YoY
-2.2% QoQ
|
+$61.1M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
70% |
| Return on Assets ? |
2.61%
+1.8% YoY
+0.5% QoQ
|
+1.52% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 3% in tier |
| Net Interest Margin ? |
4.41%
+5.5% YoY
-0.0% QoQ
|
+0.56% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
76% |
| Efficiency Ratio ? |
40.22%
-2.9% YoY
-0.7% QoQ
|
-27.51% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Top 2% in tier |
| Delinquency Rate ? | 1.02% | +0.38% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
28% |
| Loan-to-Deposit Ratio ? |
82.94%
-1.8% YoY
+2.1% QoQ
|
+8.41% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
64% |
| Non-Interest-Bearing Deposit Share ? |
23.08%
-12.9% YoY
+5.0% QoQ
|
+0.68% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
56% |
| Nonperforming Asset Ratio ? | 0.75% | +0.30% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
26% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.27%
-31.2% YoY
+37.5% QoQ
|
-0.30% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
34% |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 3%
in Micro
Why this stands out
Current:
2.61%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Top 2%
in Micro
Why this stands out
Current:
40.22%
(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: 40.22% · Tier avg: 67.73%
97
97th pctile
Return on Assets
Current: 2.61% · Tier avg: 1.08%
76
76th pctile
Net Interest Margin
Current: 4.41% · Tier avg: 3.85%
75
75th pctile
Total Loans
Current: $203.0M · Tier avg: $139.2M
70
70th pctile
Total Deposits
Current: $244.8M · Tier avg: $183.7M
67
67th pctile
Total Assets
Current: $273.8M · Tier avg: $217.5M
64
64th pctile
Loan-to-Deposit Ratio
Current: 82.94% · Tier avg: 74.53%
56
56th pctile
Non-Interest-Bearing Deposit Share
Current: 23.08% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
34
34th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.56%
28
28th pctile
Delinquency Rate
Current: 1.02% · Tier avg: 0.64%
26
26th pctile
Nonperforming Asset Ratio
Current: 0.75% · Tier avg: 0.45%
Top Weaknesses
26
26th pctile
Nonperforming Asset Ratio
Current: 0.75% · Tier avg: 0.45%
28
28th pctile
Delinquency Rate
Current: 1.02% · Tier avg: 0.64%
34
34th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
56
56th pctile
Non-Interest-Bearing Deposit Share
Current: 23.08% · Tier avg: 22.39%
64
64th pctile
Loan-to-Deposit Ratio
Current: 82.94% · Tier avg: 74.53%
67
67th pctile
Total Assets
Current: $273.8M · Tier avg: $217.5M
70
70th pctile
Total Deposits
Current: $244.8M · Tier avg: $183.7M
75
75th pctile
Total Loans
Current: $203.0M · Tier avg: $139.2M
76
76th pctile
Net Interest Margin
Current: 4.41% · Tier avg: 3.85%
97
97th pctile
Return on Assets
Current: 2.61% · Tier avg: 1.08%
98
98th pctile
Efficiency Ratio
Current: 40.22% · Tier avg: 67.73%