BlastPoint's Banking Scorecard
Citizens 1st Bank
Community
Specialty: Commercial
TX
FDIC cert 1715
Tyler, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
Citizens 1st Bank has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 26.65% above tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 19% in Community
- - Credit Risk Growth: Bottom 42% in Community
- - NIB Deposit Bleed: Bottom 49% in Community
- - Net Interest Margin 1.05% below tier
- - Non-Interest Income / Assets 0.70% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$819.8M
+6.7% YoY
+7.4% QoQ
|
-$571.7M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
37% |
| Total Loans ? |
$476.6M
+8.8% YoY
+1.5% QoQ
|
-$498.9M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
27% |
| Total Deposits ? |
$621.9M
+5.2% YoY
+9.3% QoQ
|
-$542.7M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
30% |
| Return on Assets ? |
1.24%
+10.9% YoY
-7.2% QoQ
|
+0.08% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
59% |
| Net Interest Margin ? |
2.61%
+10.2% YoY
+1.3% QoQ
|
-1.05% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Bottom 8% in tier |
| Efficiency Ratio ? |
46.80%
-6.8% YoY
+1.5% QoQ
|
-15.83% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Top 10% in tier |
| Delinquency Rate ? |
1.07%
+11.8% YoY
-35.0% QoQ
|
+0.44% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
24% |
| Loan-to-Deposit Ratio ? |
76.63%
+3.4% YoY
-7.1% QoQ
|
-6.43% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
69% |
| Non-Interest-Bearing Deposit Share ? |
12.69%
-17.3% YoY
-10.1% QoQ
|
-8.36% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
17% |
| Nonperforming Asset Ratio ? |
0.62%
+14.0% YoY
-38.5% QoQ
|
+0.12% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
33% |
| Tier 1 Capital Ratio ? |
36.89%
-1.5% YoY
-2.7% QoQ
|
+26.65% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
Top 1% in tier |
| Non-Interest Income / Assets ? |
0.04%
-28.7% YoY
+44.1% QoQ
|
-0.70% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Bottom 1% in tier |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 1%
in Community
Why this stands out
Current:
36.89%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (5)
Liquidity Overhang
risk
#51 of 268 · Bottom 19% 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:
36.89%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
76.63%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Credit Risk Growth
risk
#269 of 642 · Bottom 42% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
NIB Deposit Bleed
decline
#44 of 89 · Bottom 49% in Community
Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Why this signature
Noninterest-Bearing Deposit Share:
12.69%
(Tier: 21.05%, National: 21.79%)
89 of 89 Community banks match
·
98 nationally
→ Stable
-10 banks QoQ
Net Interest Margin
metric
Bottom 8%
in Community
Why this stands out
Current:
2.61%
(Tier avg: 3.66%, National avg: 3.75%)
Non-Interest Income / Assets
metric
Bottom 1%
in Community
Why this stands out
Current:
0.04%
(Tier avg: 0.74%, National avg: 0.65%)
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
100
100th pctile
Tier 1 Capital Ratio
Current: 36.89% · Tier avg: 10.24%
90
90th pctile
Efficiency Ratio
Current: 46.80% · Tier avg: 62.63%
69
69th pctile
Loan-to-Deposit Ratio
Current: 76.63% · Tier avg: 83.06%
59
59th pctile
Return on Assets
Current: 1.24% · Tier avg: 1.16%
37
37th pctile
Total Assets
Current: $819.8M · Tier avg: $1.4B
33
33th pctile
Nonperforming Asset Ratio
Current: 0.62% · Tier avg: 0.50%
30
30th pctile
Total Deposits
Current: $621.9M · Tier avg: $1.2B
27
27th pctile
Total Loans
Current: $476.6M · Tier avg: $975.5M
24
24th pctile
Delinquency Rate
Current: 1.07% · Tier avg: 0.63%
17
17th pctile
Non-Interest-Bearing Deposit Share
Current: 12.69% · Tier avg: 21.05%
8
8th pctile
Net Interest Margin
Current: 2.61% · Tier avg: 3.66%
1
1th pctile
Non-Interest Income / Assets
Current: 0.04% · Tier avg: 0.74%
Top Weaknesses
1
1th pctile
Non-Interest Income / Assets
Current: 0.04% · Tier avg: 0.74%
8
8th pctile
Net Interest Margin
Current: 2.61% · Tier avg: 3.66%
17
17th pctile
Non-Interest-Bearing Deposit Share
Current: 12.69% · Tier avg: 21.05%
24
24th pctile
Delinquency Rate
Current: 1.07% · Tier avg: 0.63%
27
27th pctile
Total Loans
Current: $476.6M · Tier avg: $975.5M
30
30th pctile
Total Deposits
Current: $621.9M · Tier avg: $1.2B
33
33th pctile
Nonperforming Asset Ratio
Current: 0.62% · Tier avg: 0.50%
37
37th pctile
Total Assets
Current: $819.8M · Tier avg: $1.4B
59
59th pctile
Return on Assets
Current: 1.24% · Tier avg: 1.16%
69
69th pctile
Loan-to-Deposit Ratio
Current: 76.63% · Tier avg: 83.06%
90
90th pctile
Efficiency Ratio
Current: 46.80% · Tier avg: 62.63%
100
100th pctile
Tier 1 Capital Ratio
Current: 36.89% · Tier avg: 10.24%