BlastPoint's Banking Scorecard
Citizens Bank of the Midwest
Micro
Specialty: Commercial
MO
FDIC cert 16126
Designations: ✓ Community bank
Rolla, MO
2498
banks in Micro tier nationally
125 in MO
View Micro leaderboard (MO) →
Citizens Bank of the Midwest faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Nonperforming Asset Ratio 2.04% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$240.7M
+15.3% YoY
+1.7% QoQ
|
+$23.2M |
$217.5M
+2.3% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
60% |
| Total Loans ? |
$162.5M
+11.1% YoY
+1.4% QoQ
|
+$23.3M |
$139.2M
+2.8% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
64% |
| Total Deposits ? |
$194.7M
+9.5% YoY
+3.4% QoQ
|
+$11.0M |
$183.7M
+1.8% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
58% |
| Return on Assets ? |
1.07%
+38.8% YoY
-9.0% QoQ
|
-0.02% |
1.08%
+14.7% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
50% |
| Net Interest Margin ? |
3.31%
+9.1% YoY
-0.5% QoQ
|
-0.54% |
3.85%
+6.6% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
26% |
| Efficiency Ratio ? |
58.84%
-11.8% YoY
+5.9% QoQ
|
-8.89% |
67.73%
-4.8% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
70% |
| Delinquency Rate ? |
0.19%
-28.1% YoY
-26.4% QoQ
|
-0.45% |
0.64%
+24.4% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
62% |
| Loan-to-Deposit Ratio ? |
83.48%
+1.5% YoY
-2.0% QoQ
|
+8.95% |
74.53%
+0.5% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
35% |
| Non-Interest-Bearing Deposit Share ? |
10.45%
+20.7% YoY
-1.1% QoQ
|
-11.95% |
22.39%
-1.3% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 13% in tier |
| Nonperforming Asset Ratio ? |
2.50%
+52.8% YoY
-3.9% QoQ
|
+2.04% |
0.45%
+25.1% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
11.90%
-1.8% YoY
-1.0% QoQ
|
+3.04% |
8.85%
-3.4% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
58% |
| Non-Interest Income / Assets ? |
0.17%
-16.2% YoY
+41.0% QoQ
|
-0.39% |
0.56%
+0.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
18% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
2.50%
(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
70
70th pctile
Efficiency Ratio
Current: 58.84% · Tier avg: 67.73%
64
64th pctile
Total Loans
Current: $162.5M · Tier avg: $139.2M
62
62th pctile
Delinquency Rate
Current: 0.19% · Tier avg: 0.64%
60
60th pctile
Total Assets
Current: $240.7M · Tier avg: $217.5M
58
58th pctile
Tier 1 Capital Ratio
Current: 11.90% · Tier avg: 8.85%
58
58th pctile
Total Deposits
Current: $194.7M · Tier avg: $183.7M
50
50th pctile
Return on Assets
Current: 1.07% · Tier avg: 1.08%
35
35th pctile
Loan-to-Deposit Ratio
Current: 83.48% · Tier avg: 74.53%
26
26th pctile
Net Interest Margin
Current: 3.31% · Tier avg: 3.85%
18
18th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.56%
13
13th pctile
Non-Interest-Bearing Deposit Share
Current: 10.45% · Tier avg: 22.39%
0
0th pctile
Nonperforming Asset Ratio
Current: 2.50% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 2.50% · Tier avg: 0.45%
13
13th pctile
Non-Interest-Bearing Deposit Share
Current: 10.45% · Tier avg: 22.39%
18
18th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.56%
26
26th pctile
Net Interest Margin
Current: 3.31% · Tier avg: 3.85%
35
35th pctile
Loan-to-Deposit Ratio
Current: 83.48% · Tier avg: 74.53%
50
50th pctile
Return on Assets
Current: 1.07% · Tier avg: 1.08%
58
58th pctile
Total Deposits
Current: $194.7M · Tier avg: $183.7M
58
58th pctile
Tier 1 Capital Ratio
Current: 11.90% · Tier avg: 8.85%
60
60th pctile
Total Assets
Current: $240.7M · Tier avg: $217.5M
62
62th pctile
Delinquency Rate
Current: 0.19% · Tier avg: 0.64%
64
64th pctile
Total Loans
Current: $162.5M · Tier avg: $139.2M
70
70th pctile
Efficiency Ratio
Current: 58.84% · Tier avg: 67.73%