BlastPoint's Banking Scorecard
Citizens State Bank
Micro
Specialty: Agricultural
NE
FDIC cert 18724
Designations: ✓ Community bank
Carleton, NE
2498
banks in Micro tier nationally
97 in NE
View Micro leaderboard (NE) →
Citizens State Bank shows strong momentum with 3 strengths and 11.0% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Loan-to-Deposit Ratio 33.17% above 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 (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$36.1M
+11.0% YoY
+3.5% QoQ
|
-$181.4M |
$217.5M
+2.3% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Bottom 4% in tier |
| Total Loans ? |
$30.5M
+9.4% YoY
+2.0% QoQ
|
-$108.6M |
$139.2M
+2.8% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
Bottom 11% in tier |
| Total Deposits ? |
$28.3M
+19.3% YoY
+6.3% QoQ
|
-$155.3M |
$183.7M
+1.8% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
Bottom 4% in tier |
| Return on Assets ? |
0.89%
-6.0% YoY
+12.5% QoQ
|
-0.19% |
1.08%
+14.7% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
39% |
| Net Interest Margin ? |
4.35%
+10.2% YoY
-0.4% QoQ
|
+0.50% |
3.85%
+6.6% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
74% |
| Efficiency Ratio ? |
64.42%
-5.5% YoY
+1.2% QoQ
|
-3.31% |
67.73%
-4.8% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
55% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.29%
+38.1% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
107.69%
-8.2% YoY
-4.0% QoQ
|
+33.17% |
74.53%
+0.5% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
Top 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
11.64%
-10.2% YoY
+12.6% QoQ
|
-10.75% |
22.39%
-1.3% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
Bottom 15% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.26%
+54.6% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
6.79%
+0.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.23%
+24.6% YoY
+70.6% QoQ
|
-0.33% |
0.56%
+0.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
28% |
Signature Analysis
Strengths (3)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Top 4%
in Micro
Why this stands out
Current:
107.69%
(Tier avg: 74.53%, National avg: 78.04%)
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%
96
96th pctile
Loan-to-Deposit Ratio
Current: 107.69% · Tier avg: 74.53%
74
74th pctile
Net Interest Margin
Current: 4.35% · Tier avg: 3.85%
55
55th pctile
Efficiency Ratio
Current: 64.42% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
39
39th pctile
Return on Assets
Current: 0.89% · Tier avg: 1.08%
28
28th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.56%
15
15th pctile
Non-Interest-Bearing Deposit Share
Current: 11.64% · Tier avg: 22.39%
11
11th pctile
Total Loans
Current: $30.5M · Tier avg: $139.2M
4
4th pctile
Total Deposits
Current: $28.3M · Tier avg: $183.7M
4
4th pctile
Total Assets
Current: $36.1M · Tier avg: $217.5M
Top Weaknesses
4
4th pctile
Total Assets
Current: $36.1M · Tier avg: $217.5M
4
4th pctile
Total Deposits
Current: $28.3M · Tier avg: $183.7M
11
11th pctile
Total Loans
Current: $30.5M · Tier avg: $139.2M
15
15th pctile
Non-Interest-Bearing Deposit Share
Current: 11.64% · Tier avg: 22.39%
28
28th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.56%
39
39th pctile
Return on Assets
Current: 0.89% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
55
55th pctile
Efficiency Ratio
Current: 64.42% · Tier avg: 67.73%
74
74th pctile
Net Interest Margin
Current: 4.35% · Tier avg: 3.85%
96
96th pctile
Loan-to-Deposit Ratio
Current: 107.69% · Tier avg: 74.53%
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%