BlastPoint's Banking Scorecard
Citizens State Bank
Micro
Specialty: Mortgage
TX
FDIC cert 17214
Designations: ✓ Community bank
Sealy, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
Citizens State Bank shows strong momentum with 3 strengths and 13.9% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 21.34% below tier
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below 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 ? |
$474.2M
+13.9% YoY
+5.3% QoQ
|
+$256.7M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
Top 3% in tier |
| Total Loans ? |
$284.2M
+14.0% YoY
+2.4% QoQ
|
+$145.0M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Top 10% in tier |
| Total Deposits ? |
$424.4M
+13.3% YoY
+5.5% QoQ
|
+$240.7M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
Top 1% in tier |
| Return on Assets ? |
1.38%
+10.3% YoY
+1.4% QoQ
|
+0.29% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
69% |
| Net Interest Margin ? |
3.13%
+7.9% YoY
+0.7% QoQ
|
-0.73% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
20% |
| Efficiency Ratio ? |
46.39%
-7.9% YoY
-0.6% QoQ
|
-21.34% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Top 6% in tier |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
66.96%
+0.7% YoY
-2.9% QoQ
|
-7.57% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
34% |
| Non-Interest-Bearing Deposit Share ? |
24.75%
-6.8% YoY
-5.8% QoQ
|
+2.35% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
62% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| 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 ? |
0.22%
-12.4% YoY
+26.8% QoQ
|
-0.34% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
26% |
Signature Analysis
Strengths (3)
Efficiency Ratio
metric
Top 6%
in Micro
Why this stands out
Current:
46.39%
(Tier avg: 67.73%, National avg: 65.09%)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
99
99th pctile
Total Deposits
Current: $424.4M · Tier avg: $183.7M
97
97th pctile
Total Assets
Current: $474.2M · Tier avg: $217.5M
94
94th pctile
Efficiency Ratio
Current: 46.39% · Tier avg: 67.73%
90
90th pctile
Total Loans
Current: $284.2M · Tier avg: $139.2M
69
69th pctile
Return on Assets
Current: 1.38% · Tier avg: 1.08%
62
62th pctile
Non-Interest-Bearing Deposit Share
Current: 24.75% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
34
34th pctile
Loan-to-Deposit Ratio
Current: 66.96% · Tier avg: 74.53%
26
26th pctile
Non-Interest Income / Assets
Current: 0.22% · Tier avg: 0.56%
20
20th pctile
Net Interest Margin
Current: 3.13% · Tier avg: 3.85%
Top Weaknesses
20
20th pctile
Net Interest Margin
Current: 3.13% · Tier avg: 3.85%
26
26th pctile
Non-Interest Income / Assets
Current: 0.22% · Tier avg: 0.56%
34
34th pctile
Loan-to-Deposit Ratio
Current: 66.96% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
62
62th pctile
Non-Interest-Bearing Deposit Share
Current: 24.75% · Tier avg: 22.39%
69
69th pctile
Return on Assets
Current: 1.38% · Tier avg: 1.08%
90
90th pctile
Total Loans
Current: $284.2M · Tier avg: $139.2M
94
94th pctile
Efficiency Ratio
Current: 46.39% · Tier avg: 67.73%
97
97th pctile
Total Assets
Current: $474.2M · Tier avg: $217.5M
99
99th pctile
Total Deposits
Current: $424.4M · Tier avg: $183.7M
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%