BlastPoint's Banking Scorecard
Citizens State Bank
Community
Specialty: Commercial
TX
FDIC cert 16753
Somerville, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
Citizens State Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 54% in Community
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.84% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+9.9% YoY
+5.0% QoQ
|
-$185.3M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
60% |
| Total Loans ? |
$742.8M
+5.3% YoY
+1.5% QoQ
|
-$232.7M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
53% |
| Total Deposits ? |
$1.0B
+9.0% YoY
+5.9% QoQ
|
-$116.2M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
61% |
| Return on Assets ? |
1.77%
+14.0% YoY
+3.1% QoQ
|
+0.60% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 14% in tier |
| Net Interest Margin ? |
4.72%
+12.1% YoY
-0.3% QoQ
|
+1.06% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 8% in tier |
| Efficiency Ratio ? |
51.89%
-1.7% YoY
+0.1% QoQ
|
-10.74% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
80% |
| Delinquency Rate ? |
2.46%
+55.7% YoY
+35.4% QoQ
|
+1.84% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Bottom 7% in tier |
| Loan-to-Deposit Ratio ? |
70.85%
-3.4% YoY
-4.2% QoQ
|
-12.22% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
79% |
| Non-Interest-Bearing Deposit Share ? |
30.74%
+2.1% YoY
+2.4% QoQ
|
+9.69% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 15% in tier |
| Nonperforming Asset Ratio ? |
1.55%
+46.9% YoY
+29.5% QoQ
|
+1.05% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 10% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.53%
-8.8% YoY
+30.0% QoQ
|
-0.21% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
52% |
Signature Analysis
Strengths (1)
Deposit Franchise
growth
#82 of 150 · Top 54% in Community
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
30.74%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
4.72%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank improving
Concerns (1)
Delinquency Rate
metric
Bottom 7%
in Community
Why this stands out
Current:
2.46%
(Tier avg: 0.63%, National avg: 0.66%)
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
92
92th pctile
Net Interest Margin
Current: 4.72% · Tier avg: 3.66%
86
86th pctile
Return on Assets
Current: 1.77% · Tier avg: 1.16%
85
85th pctile
Non-Interest-Bearing Deposit Share
Current: 30.74% · Tier avg: 21.05%
80
80th pctile
Efficiency Ratio
Current: 51.89% · Tier avg: 62.63%
79
79th pctile
Loan-to-Deposit Ratio
Current: 70.85% · Tier avg: 83.06%
61
61th pctile
Total Deposits
Current: $1.0B · Tier avg: $1.2B
60
60th pctile
Total Assets
Current: $1.2B · Tier avg: $1.4B
53
53th pctile
Total Loans
Current: $742.8M · Tier avg: $975.5M
52
52th pctile
Non-Interest Income / Assets
Current: 0.53% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
10
10th pctile
Nonperforming Asset Ratio
Current: 1.55% · Tier avg: 0.50%
7
7th pctile
Delinquency Rate
Current: 2.46% · Tier avg: 0.63%
Top Weaknesses
7
7th pctile
Delinquency Rate
Current: 2.46% · Tier avg: 0.63%
10
10th pctile
Nonperforming Asset Ratio
Current: 1.55% · Tier avg: 0.50%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
52
52th pctile
Non-Interest Income / Assets
Current: 0.53% · Tier avg: 0.74%
53
53th pctile
Total Loans
Current: $742.8M · Tier avg: $975.5M
60
60th pctile
Total Assets
Current: $1.2B · Tier avg: $1.4B
61
61th pctile
Total Deposits
Current: $1.0B · Tier avg: $1.2B
79
79th pctile
Loan-to-Deposit Ratio
Current: 70.85% · Tier avg: 83.06%
80
80th pctile
Efficiency Ratio
Current: 51.89% · Tier avg: 62.63%
85
85th pctile
Non-Interest-Bearing Deposit Share
Current: 30.74% · Tier avg: 21.05%
86
86th pctile
Return on Assets
Current: 1.77% · Tier avg: 1.16%
92
92th pctile
Net Interest Margin
Current: 4.72% · Tier avg: 3.66%