BlastPoint's Banking Scorecard
Citizens Bank
Community
Specialty: Agricultural
OR
FDIC cert 17809
Corvallis, OR
1484
banks in Community tier nationally
8 in OR
View Community leaderboard (OR) →
Citizens Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 28.66% above tier
- + Tier 1 Capital Ratio 12.37% above tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 45% in Community
- - Return on Assets 0.86% below tier
- - Loan-to-Deposit Ratio 32.30% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$831.7M
+3.0% YoY
-1.7% QoQ
|
-$559.7M |
$1.4B
+2.0% YoY
|
$5.8B
+35.0% YoY
|
$5.9B
+6.5% YoY
|
38% |
| Total Loans ? |
$358.2M
-3.2% YoY
+0.5% QoQ
|
-$617.3M |
$975.5M
+2.4% YoY
|
$4.1B
+33.3% YoY
|
$3.1B
+8.5% YoY
|
Bottom 9% in tier |
| Total Deposits ? |
$705.7M
-0.2% YoY
-1.4% QoQ
|
-$458.9M |
$1.2B
+1.7% YoY
|
$4.7B
+35.4% YoY
|
$4.7B
+6.3% YoY
|
39% |
| Return on Assets ? |
0.31%
-16.1% YoY
+24.6% QoQ
|
-0.86% |
1.16%
+17.2% YoY
|
0.97%
+23.1% YoY
|
1.12%
+15.6% YoY
|
Bottom 6% in tier |
| Net Interest Margin ? |
3.59%
+9.9% YoY
+0.7% QoQ
|
-0.08% |
3.66%
+9.1% YoY
|
3.91%
+8.6% YoY
|
3.75%
+7.1% YoY
|
46% |
| Efficiency Ratio ? |
89.68%
+6.0% YoY
-1.3% QoQ
|
+27.05% |
62.63%
-5.3% YoY
|
69.38%
-5.2% YoY
|
65.09%
-5.1% YoY
|
Bottom 4% in tier |
| Delinquency Rate ? |
0.26%
+366.2% YoY
-6.1% QoQ
|
-0.37% |
0.63%
+18.3% YoY
|
0.44%
+26.5% YoY
|
0.66%
+20.3% YoY
|
65% |
| Loan-to-Deposit Ratio ? |
50.76%
-3.0% YoY
+2.0% QoQ
|
-32.30% |
83.06%
+0.3% YoY
|
78.09%
-1.5% YoY
|
78.04%
+0.7% YoY
|
Bottom 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
49.70%
-5.2% YoY
-1.2% QoQ
|
+28.66% |
21.05%
-0.9% YoY
|
23.36%
-7.5% YoY
|
21.79%
-1.3% YoY
|
Top 2% in tier |
| Nonperforming Asset Ratio ? |
0.11%
+337.9% YoY
-4.0% QoQ
|
-0.39% |
0.50%
+20.3% YoY
|
0.42%
+67.0% YoY
|
0.48%
+20.8% YoY
|
76% |
| Tier 1 Capital Ratio ? |
22.62%
+3.3% YoY
-0.6% QoQ
|
+12.37% |
10.24%
-0.6% YoY
|
8.96%
-3.7% YoY
|
9.75%
-1.9% YoY
|
Top 4% in tier |
| Non-Interest Income / Assets ? |
0.31%
-2.4% YoY
+33.6% QoQ
|
-0.43% |
0.74%
-1.3% YoY
|
0.64%
+1.9% YoY
|
0.65%
+0.6% YoY
|
24% |
Signature Analysis
Strengths (2)
Non-Interest-Bearing Deposit Share
metric
Top 2%
in Community
Why this stands out
Current:
49.70%
(Tier avg: 21.05%, National avg: 21.79%)
Tier 1 Capital Ratio
metric
Top 4%
in Community
Why this stands out
Current:
22.62%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (3)
Efficiency Drag
risk
#69 of 152 · Bottom 45% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
89.68%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Bottom 6%
in Community
Why this stands out
Current:
0.31%
(Tier avg: 1.16%, National avg: 1.12%)
Loan-to-Deposit Ratio
metric
Bottom 4%
in Community
Why this stands out
Current:
50.76%
(Tier avg: 83.06%, National avg: 78.04%)
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
98
98th pctile
Non-Interest-Bearing Deposit Share
Current: 49.70% · Tier avg: 21.05%
96
96th pctile
Tier 1 Capital Ratio
Current: 22.62% · Tier avg: 10.24%
76
76th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.50%
65
65th pctile
Delinquency Rate
Current: 0.26% · Tier avg: 0.63%
46
46th pctile
Net Interest Margin
Current: 3.59% · Tier avg: 3.66%
39
39th pctile
Total Deposits
Current: $705.7M · Tier avg: $1.2B
38
38th pctile
Total Assets
Current: $831.7M · Tier avg: $1.4B
24
24th pctile
Non-Interest Income / Assets
Current: 0.31% · Tier avg: 0.74%
9
9th pctile
Total Loans
Current: $358.2M · Tier avg: $975.5M
6
6th pctile
Return on Assets
Current: 0.31% · Tier avg: 1.16%
4
4th pctile
Loan-to-Deposit Ratio
Current: 50.76% · Tier avg: 83.06%
4
4th pctile
Efficiency Ratio
Current: 89.68% · Tier avg: 62.63%
Top Weaknesses
4
4th pctile
Efficiency Ratio
Current: 89.68% · Tier avg: 62.63%
4
4th pctile
Loan-to-Deposit Ratio
Current: 50.76% · Tier avg: 83.06%
6
6th pctile
Return on Assets
Current: 0.31% · Tier avg: 1.16%
9
9th pctile
Total Loans
Current: $358.2M · Tier avg: $975.5M
24
24th pctile
Non-Interest Income / Assets
Current: 0.31% · Tier avg: 0.74%
38
38th pctile
Total Assets
Current: $831.7M · Tier avg: $1.4B
39
39th pctile
Total Deposits
Current: $705.7M · Tier avg: $1.2B
46
46th pctile
Net Interest Margin
Current: 3.59% · Tier avg: 3.66%
65
65th pctile
Delinquency Rate
Current: 0.26% · Tier avg: 0.63%
76
76th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.50%
96
96th pctile
Tier 1 Capital Ratio
Current: 22.62% · Tier avg: 10.24%
98
98th pctile
Non-Interest-Bearing Deposit Share
Current: 49.70% · Tier avg: 21.05%