BlastPoint's Banking Scorecard
The Citizens Bank
Community
Specialty: Commercial
AR
FDIC cert 17211
Batesville, AR
1484
banks in Community tier nationally
33 in AR
View Community leaderboard (AR) →
The Citizens Bank 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
- - Credit Risk Growth: Bottom 8% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.6B
+7.6% YoY
+1.3% QoQ
|
+$209.0M |
$1.4B
+2.0% YoY
|
$2.3B
+2.4% YoY
|
$5.9B
+6.5% YoY
|
72% |
| Total Loans ? |
$1.3B
+2.7% YoY
+3.7% QoQ
|
+$279.3M |
$975.5M
+2.4% YoY
|
$1.6B
+6.2% YoY
|
$3.1B
+8.5% YoY
|
76% |
| Total Deposits ? |
$1.5B
+10.7% YoY
+0.9% QoQ
|
+$294.4M |
$1.2B
+1.7% YoY
|
$1.9B
+3.0% YoY
|
$4.7B
+6.3% YoY
|
76% |
| Return on Assets ? |
1.32%
+35.9% YoY
-6.9% QoQ
|
+0.16% |
1.16%
+17.2% YoY
|
1.19%
+9.0% YoY
|
1.12%
+15.6% YoY
|
64% |
| Net Interest Margin ? |
3.64%
+11.7% YoY
+1.1% QoQ
|
-0.02% |
3.66%
+9.1% YoY
|
4.00%
+8.5% YoY
|
3.75%
+7.1% YoY
|
50% |
| Efficiency Ratio ? |
53.18%
-17.8% YoY
+1.1% QoQ
|
-9.46% |
62.63%
-5.3% YoY
|
63.04%
-5.8% YoY
|
65.09%
-5.1% YoY
|
77% |
| Delinquency Rate ? |
0.32%
+49.6% YoY
+9.9% QoQ
|
-0.31% |
0.63%
+18.3% YoY
|
0.91%
+44.6% YoY
|
0.66%
+20.3% YoY
|
59% |
| Loan-to-Deposit Ratio ? |
86.00%
-7.3% YoY
+2.8% QoQ
|
+2.94% |
83.06%
+0.3% YoY
|
80.90%
+1.0% YoY
|
78.04%
+0.7% YoY
|
47% |
| Non-Interest-Bearing Deposit Share ? |
13.47%
+18.9% YoY
+6.0% QoQ
|
-7.58% |
21.05%
-0.9% YoY
|
19.14%
-0.5% YoY
|
21.79%
-1.3% YoY
|
20% |
| Nonperforming Asset Ratio ? |
0.26%
+46.5% YoY
+12.1% QoQ
|
-0.24% |
0.50%
+20.3% YoY
|
0.66%
+38.2% YoY
|
0.48%
+20.8% YoY
|
58% |
| Tier 1 Capital Ratio ? |
9.92%
+2.8% YoY
-2.2% QoQ
|
-0.32% |
10.24%
-0.6% YoY
|
7.07%
-13.2% YoY
|
9.75%
-1.9% YoY
|
30% |
| Non-Interest Income / Assets ? |
0.40%
-5.6% YoY
+33.8% QoQ
|
-0.34% |
0.74%
-1.3% YoY
|
0.76%
-21.3% YoY
|
0.65%
+0.6% YoY
|
35% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Credit Risk Growth
risk
#53 of 642 · Bottom 8% 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
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
77
77th pctile
Efficiency Ratio
Current: 53.18% · Tier avg: 62.63%
76
76th pctile
Total Deposits
Current: $1.5B · Tier avg: $1.2B
76
76th pctile
Total Loans
Current: $1.3B · Tier avg: $975.5M
72
72th pctile
Total Assets
Current: $1.6B · Tier avg: $1.4B
64
64th pctile
Return on Assets
Current: 1.32% · Tier avg: 1.16%
59
59th pctile
Delinquency Rate
Current: 0.32% · Tier avg: 0.63%
58
58th pctile
Nonperforming Asset Ratio
Current: 0.26% · Tier avg: 0.50%
50
50th pctile
Net Interest Margin
Current: 3.64% · Tier avg: 3.66%
47
47th pctile
Loan-to-Deposit Ratio
Current: 86.00% · Tier avg: 83.06%
35
35th pctile
Non-Interest Income / Assets
Current: 0.40% · Tier avg: 0.74%
30
30th pctile
Tier 1 Capital Ratio
Current: 9.92% · Tier avg: 10.24%
20
20th pctile
Non-Interest-Bearing Deposit Share
Current: 13.47% · Tier avg: 21.05%
Top Weaknesses
20
20th pctile
Non-Interest-Bearing Deposit Share
Current: 13.47% · Tier avg: 21.05%
30
30th pctile
Tier 1 Capital Ratio
Current: 9.92% · Tier avg: 10.24%
35
35th pctile
Non-Interest Income / Assets
Current: 0.40% · Tier avg: 0.74%
47
47th pctile
Loan-to-Deposit Ratio
Current: 86.00% · Tier avg: 83.06%
50
50th pctile
Net Interest Margin
Current: 3.64% · Tier avg: 3.66%
58
58th pctile
Nonperforming Asset Ratio
Current: 0.26% · Tier avg: 0.50%
59
59th pctile
Delinquency Rate
Current: 0.32% · Tier avg: 0.63%
64
64th pctile
Return on Assets
Current: 1.32% · Tier avg: 1.16%
72
72th pctile
Total Assets
Current: $1.6B · Tier avg: $1.4B
76
76th pctile
Total Loans
Current: $1.3B · Tier avg: $975.5M
76
76th pctile
Total Deposits
Current: $1.5B · Tier avg: $1.2B
77
77th pctile
Efficiency Ratio
Current: 53.18% · Tier avg: 62.63%