BlastPoint's Banking Scorecard
Citizens Bank
Community
Specialty: Commercial
TX
FDIC cert 16817
Kilgore, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
Citizens Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 43% in Community
- + Deposit Franchise: Top 74% in Community
- + Nonperforming Asset Ratio 0.47% below tier
- + Tier 1 Capital Ratio 10.78% above tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 48% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$511.7M
+6.3% YoY
+2.5% QoQ
|
-$879.7M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
Bottom 2% in tier |
| Total Loans ? |
$312.6M
+14.1% YoY
+1.6% QoQ
|
-$662.8M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 6% in tier |
| Total Deposits ? |
$433.7M
+6.0% YoY
+2.6% QoQ
|
-$730.9M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
Bottom 3% in tier |
| Return on Assets ? |
0.86%
+48.7% YoY
+12.2% QoQ
|
-0.30% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
29% |
| Net Interest Margin ? |
4.65%
+16.6% YoY
-0.7% QoQ
|
+0.98% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 10% in tier |
| Efficiency Ratio ? |
79.13%
+2.6% YoY
-1.2% QoQ
|
+16.50% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 11% in tier |
| Delinquency Rate ? |
0.04%
-21.8% YoY
+10.1% QoQ
|
-0.59% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Top 11% in tier |
| Loan-to-Deposit Ratio ? |
72.08%
+7.6% YoY
-1.0% QoQ
|
-10.98% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
77% |
| Non-Interest-Bearing Deposit Share ? |
28.11%
-2.8% YoY
-2.7% QoQ
|
+7.06% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
80% |
| Nonperforming Asset Ratio ? |
0.03%
-16.1% YoY
+9.1% QoQ
|
-0.47% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Top 10% in tier |
| Tier 1 Capital Ratio ? |
21.03%
-3.5% YoY
-6.6% QoQ
|
+10.78% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
Top 5% in tier |
| Non-Interest Income / Assets ? |
0.21%
-20.3% YoY
+179.7% QoQ
|
-0.53% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Bottom 12% in tier |
Signature Analysis
Strengths (4)
Credit Quality Leader
growth
#160 of 371 · Top 43% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.04%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
Deposit Franchise
growth
#112 of 150 · Top 74% 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:
28.11%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
4.65%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
Nonperforming Asset Ratio
metric
Top 10%
in Community
Why this stands out
Current:
0.03%
(Tier avg: 0.50%, National avg: 0.48%)
Tier 1 Capital Ratio
metric
Top 5%
in Community
Why this stands out
Current:
21.03%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (1)
Liquidity Overhang
risk
#128 of 268 · Bottom 48% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
21.03%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
72.08%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 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
95
95th pctile
Tier 1 Capital Ratio
Current: 21.03% · Tier avg: 10.24%
90
90th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.50%
90
90th pctile
Net Interest Margin
Current: 4.65% · Tier avg: 3.66%
89
89th pctile
Delinquency Rate
Current: 0.04% · Tier avg: 0.63%
80
80th pctile
Non-Interest-Bearing Deposit Share
Current: 28.11% · Tier avg: 21.05%
77
77th pctile
Loan-to-Deposit Ratio
Current: 72.08% · Tier avg: 83.06%
29
29th pctile
Return on Assets
Current: 0.86% · Tier avg: 1.16%
12
12th pctile
Non-Interest Income / Assets
Current: 0.21% · Tier avg: 0.74%
11
11th pctile
Efficiency Ratio
Current: 79.13% · Tier avg: 62.63%
6
6th pctile
Total Loans
Current: $312.6M · Tier avg: $975.5M
3
3th pctile
Total Deposits
Current: $433.7M · Tier avg: $1.2B
2
2th pctile
Total Assets
Current: $511.7M · Tier avg: $1.4B
Top Weaknesses
2
2th pctile
Total Assets
Current: $511.7M · Tier avg: $1.4B
3
3th pctile
Total Deposits
Current: $433.7M · Tier avg: $1.2B
6
6th pctile
Total Loans
Current: $312.6M · Tier avg: $975.5M
11
11th pctile
Efficiency Ratio
Current: 79.13% · Tier avg: 62.63%
12
12th pctile
Non-Interest Income / Assets
Current: 0.21% · Tier avg: 0.74%
29
29th pctile
Return on Assets
Current: 0.86% · Tier avg: 1.16%
77
77th pctile
Loan-to-Deposit Ratio
Current: 72.08% · Tier avg: 83.06%
80
80th pctile
Non-Interest-Bearing Deposit Share
Current: 28.11% · Tier avg: 21.05%
89
89th pctile
Delinquency Rate
Current: 0.04% · Tier avg: 0.63%
90
90th pctile
Net Interest Margin
Current: 4.65% · Tier avg: 3.66%
90
90th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.50%
95
95th pctile
Tier 1 Capital Ratio
Current: 21.03% · Tier avg: 10.24%