BlastPoint's Banking Scorecard
Citizens Bank & Trust Co. of Jackson
Micro
Specialty: Commercial
KY
FDIC cert 18620
Designations: ✓ Community bank
Jackson, KY
2498
banks in Micro tier nationally
83 in KY
View Micro leaderboard (KY) →
Citizens Bank & Trust Co. of Jackson has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.59% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.86% above tier
- - Nonperforming Asset Ratio 1.81% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$213.2M
+2.0% YoY
+0.6% QoQ
|
-$4.3M |
$217.5M
+2.3% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
55% |
| Total Loans ? |
$155.2M
-0.7% YoY
+0.1% QoQ
|
+$16.0M |
$139.2M
+2.8% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
62% |
| Total Deposits ? |
$189.2M
+2.1% YoY
+0.9% QoQ
|
+$5.5M |
$183.7M
+1.8% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
57% |
| Return on Assets ? |
1.75%
+27.7% YoY
-1.1% QoQ
|
+0.66% |
1.08%
+14.7% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
83% |
| Net Interest Margin ? |
4.62%
+4.5% YoY
+0.2% QoQ
|
+0.76% |
3.85%
+6.6% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
82% |
| Efficiency Ratio ? |
66.42%
-7.3% YoY
-0.1% QoQ
|
-1.30% |
67.73%
-4.8% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
49% |
| Delinquency Rate ? |
2.50%
+560.8% YoY
+120.9% QoQ
|
+1.86% |
0.64%
+24.4% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
Bottom 9% in tier |
| Loan-to-Deposit Ratio ? |
82.01%
-2.8% YoY
-0.8% QoQ
|
+7.48% |
74.53%
+0.5% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
38% |
| Non-Interest-Bearing Deposit Share ? |
18.64%
-8.4% YoY
+1.2% QoQ
|
-3.76% |
22.39%
-1.3% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
36% |
| Nonperforming Asset Ratio ? |
2.26%
+90.9% YoY
+78.4% QoQ
|
+1.81% |
0.45%
+25.1% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 5% in tier |
| Tier 1 Capital Ratio ? |
14.78%
+11.8% YoY
-0.2% QoQ
|
+5.93% |
8.85%
-3.4% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
72% |
| Non-Interest Income / Assets ? |
1.16%
+23.3% YoY
+23.1% QoQ
|
+0.59% |
0.56%
+0.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
Top 6% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 6%
in Micro
Why this stands out
Current:
1.16%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (2)
Delinquency Rate
metric
Bottom 9%
in Micro
Why this stands out
Current:
2.50%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 5%
in Micro
Why this stands out
Current:
2.26%
(Tier avg: 0.45%, National avg: 0.48%)
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
94
94th pctile
Non-Interest Income / Assets
Current: 1.16% · Tier avg: 0.56%
83
83th pctile
Return on Assets
Current: 1.75% · Tier avg: 1.08%
82
82th pctile
Net Interest Margin
Current: 4.62% · Tier avg: 3.85%
72
72th pctile
Tier 1 Capital Ratio
Current: 14.78% · Tier avg: 8.85%
62
62th pctile
Total Loans
Current: $155.2M · Tier avg: $139.2M
57
57th pctile
Total Deposits
Current: $189.2M · Tier avg: $183.7M
55
55th pctile
Total Assets
Current: $213.2M · Tier avg: $217.5M
49
49th pctile
Efficiency Ratio
Current: 66.42% · Tier avg: 67.73%
38
38th pctile
Loan-to-Deposit Ratio
Current: 82.01% · Tier avg: 74.53%
36
36th pctile
Non-Interest-Bearing Deposit Share
Current: 18.64% · Tier avg: 22.39%
9
9th pctile
Delinquency Rate
Current: 2.50% · Tier avg: 0.64%
5
5th pctile
Nonperforming Asset Ratio
Current: 2.26% · Tier avg: 0.45%
Top Weaknesses
5
5th pctile
Nonperforming Asset Ratio
Current: 2.26% · Tier avg: 0.45%
9
9th pctile
Delinquency Rate
Current: 2.50% · Tier avg: 0.64%
36
36th pctile
Non-Interest-Bearing Deposit Share
Current: 18.64% · Tier avg: 22.39%
38
38th pctile
Loan-to-Deposit Ratio
Current: 82.01% · Tier avg: 74.53%
49
49th pctile
Efficiency Ratio
Current: 66.42% · Tier avg: 67.73%
55
55th pctile
Total Assets
Current: $213.2M · Tier avg: $217.5M
57
57th pctile
Total Deposits
Current: $189.2M · Tier avg: $183.7M
62
62th pctile
Total Loans
Current: $155.2M · Tier avg: $139.2M
72
72th pctile
Tier 1 Capital Ratio
Current: 14.78% · Tier avg: 8.85%
82
82th pctile
Net Interest Margin
Current: 4.62% · Tier avg: 3.85%
83
83th pctile
Return on Assets
Current: 1.75% · Tier avg: 1.08%
94
94th pctile
Non-Interest Income / Assets
Current: 1.16% · Tier avg: 0.56%