BlastPoint's Banking Scorecard
Citizens' Bank of Charleston
Micro
Specialty: Agricultural
MO
FDIC cert 17830
Designations: ✓ Community bank
Charleston, MO
2498
banks in Micro tier nationally
125 in MO
View Micro leaderboard (MO) →
Citizens' Bank of Charleston demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 20.35% 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 (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$188.8M
+1.6% YoY
+3.1% QoQ
|
-$28.7M |
$217.5M
+2.3% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
48% |
| Total Loans ? |
$137.4M
+11.9% YoY
-6.5% QoQ
|
-$1.8M |
$139.2M
+2.8% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
56% |
| Total Deposits ? |
$152.2M
+0.5% YoY
+4.3% QoQ
|
-$31.4M |
$183.7M
+1.8% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
46% |
| Return on Assets ? |
1.97%
+1.1% YoY
-7.1% QoQ
|
+0.88% |
1.08%
+14.7% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Top 10% in tier |
| Net Interest Margin ? |
4.87%
+2.9% YoY
+0.9% QoQ
|
+1.02% |
3.85%
+6.6% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Top 12% in tier |
| Efficiency Ratio ? |
47.38%
-0.6% YoY
+7.9% QoQ
|
-20.35% |
67.73%
-4.8% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 7% in tier |
| Delinquency Rate ? |
0.92%
+28.3% YoY
+39.8% QoQ
|
+0.28% |
0.64%
+24.4% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
30% |
| Loan-to-Deposit Ratio ? |
90.25%
+11.3% YoY
-10.3% QoQ
|
+15.72% |
74.53%
+0.5% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
22% |
| Non-Interest-Bearing Deposit Share ? |
16.79%
-3.9% YoY
+3.2% QoQ
|
-5.60% |
22.39%
-1.3% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
29% |
| Nonperforming Asset Ratio ? |
0.67%
+36.9% YoY
+26.8% QoQ
|
+0.22% |
0.45%
+25.1% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
29% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.51%
+6.8% YoY
+51.0% QoQ
|
-0.05% |
0.56%
+0.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
70% |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 7%
in Micro
Why this stands out
Current:
47.38%
(Tier avg: 67.73%, National avg: 65.09%)
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
93
93th pctile
Efficiency Ratio
Current: 47.38% · Tier avg: 67.73%
90
90th pctile
Return on Assets
Current: 1.97% · Tier avg: 1.08%
88
88th pctile
Net Interest Margin
Current: 4.87% · Tier avg: 3.85%
70
70th pctile
Non-Interest Income / Assets
Current: 0.51% · Tier avg: 0.56%
56
56th pctile
Total Loans
Current: $137.4M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
48
48th pctile
Total Assets
Current: $188.8M · Tier avg: $217.5M
46
46th pctile
Total Deposits
Current: $152.2M · Tier avg: $183.7M
30
30th pctile
Delinquency Rate
Current: 0.92% · Tier avg: 0.64%
29
29th pctile
Nonperforming Asset Ratio
Current: 0.67% · Tier avg: 0.45%
29
29th pctile
Non-Interest-Bearing Deposit Share
Current: 16.79% · Tier avg: 22.39%
22
22th pctile
Loan-to-Deposit Ratio
Current: 90.25% · Tier avg: 74.53%
Top Weaknesses
22
22th pctile
Loan-to-Deposit Ratio
Current: 90.25% · Tier avg: 74.53%
29
29th pctile
Non-Interest-Bearing Deposit Share
Current: 16.79% · Tier avg: 22.39%
29
29th pctile
Nonperforming Asset Ratio
Current: 0.67% · Tier avg: 0.45%
30
30th pctile
Delinquency Rate
Current: 0.92% · Tier avg: 0.64%
46
46th pctile
Total Deposits
Current: $152.2M · Tier avg: $183.7M
48
48th pctile
Total Assets
Current: $188.8M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
56
56th pctile
Total Loans
Current: $137.4M · Tier avg: $139.2M
70
70th pctile
Non-Interest Income / Assets
Current: 0.51% · Tier avg: 0.56%
88
88th pctile
Net Interest Margin
Current: 4.87% · Tier avg: 3.85%
90
90th pctile
Return on Assets
Current: 1.97% · Tier avg: 1.08%
93
93th pctile
Efficiency Ratio
Current: 47.38% · Tier avg: 67.73%