BlastPoint's Banking Scorecard
Citizens State Bank
Micro
Specialty: Commercial
TX
FDIC cert 16581
Designations: ✓ Community bank
Anton, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
Citizens State Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.21% above 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 ? |
$80.4M
+2.7% YoY
+4.9% QoQ
|
-$137.1M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
16% |
| Total Loans ? |
$60.4M
+5.7% YoY
+1.2% QoQ
|
-$78.7M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
25% |
| Total Deposits ? |
$66.6M
+3.1% YoY
+6.0% QoQ
|
-$117.1M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
16% |
| Return on Assets ? |
1.15%
-14.5% YoY
-11.1% QoQ
|
+0.07% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
56% |
| Net Interest Margin ? |
5.06%
-5.7% YoY
-2.0% QoQ
|
+1.21% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 9% in tier |
| Efficiency Ratio ? |
73.40%
+11.9% YoY
+3.1% QoQ
|
+5.67% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
32% |
| Delinquency Rate ? |
0.03%
-72.3% YoY
-30.0% QoQ
|
-0.61% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
78% |
| Loan-to-Deposit Ratio ? |
90.78%
+2.5% YoY
-4.5% QoQ
|
+16.25% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
21% |
| Non-Interest-Bearing Deposit Share ? |
21.96%
-4.2% YoY
-7.8% QoQ
|
-0.43% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
51% |
| Nonperforming Asset Ratio ? |
0.02%
-71.5% YoY
-32.5% QoQ
|
-0.43% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
78% |
| 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 ? |
0.63%
+93.6% YoY
+13.5% QoQ
|
+0.07% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
79% |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 9%
in Micro
Why this stands out
Current:
5.06%
(Tier avg: 3.85%, National avg: 3.75%)
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
91
91th pctile
Net Interest Margin
Current: 5.06% · Tier avg: 3.85%
79
79th pctile
Non-Interest Income / Assets
Current: 0.63% · Tier avg: 0.56%
78
78th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.64%
78
78th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.45%
56
56th pctile
Return on Assets
Current: 1.15% · Tier avg: 1.08%
51
51th pctile
Non-Interest-Bearing Deposit Share
Current: 21.96% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
32
32th pctile
Efficiency Ratio
Current: 73.40% · Tier avg: 67.73%
25
25th pctile
Total Loans
Current: $60.4M · Tier avg: $139.2M
21
21th pctile
Loan-to-Deposit Ratio
Current: 90.78% · Tier avg: 74.53%
16
16th pctile
Total Assets
Current: $80.4M · Tier avg: $217.5M
16
16th pctile
Total Deposits
Current: $66.6M · Tier avg: $183.7M
Top Weaknesses
16
16th pctile
Total Deposits
Current: $66.6M · Tier avg: $183.7M
16
16th pctile
Total Assets
Current: $80.4M · Tier avg: $217.5M
21
21th pctile
Loan-to-Deposit Ratio
Current: 90.78% · Tier avg: 74.53%
25
25th pctile
Total Loans
Current: $60.4M · Tier avg: $139.2M
32
32th pctile
Efficiency Ratio
Current: 73.40% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
51
51th pctile
Non-Interest-Bearing Deposit Share
Current: 21.96% · Tier avg: 22.39%
56
56th pctile
Return on Assets
Current: 1.15% · Tier avg: 1.08%
78
78th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.45%
78
78th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.64%
79
79th pctile
Non-Interest Income / Assets
Current: 0.63% · Tier avg: 0.56%
91
91th pctile
Net Interest Margin
Current: 5.06% · Tier avg: 3.85%