BlastPoint's Banking Scorecard
Citizens Bank of Eldon
Micro
Specialty: Agricultural
MO
FDIC cert 1956
Designations: ✓ Community bank
Eldon, MO
2498
banks in Micro tier nationally
125 in MO
View Micro leaderboard (MO) →
Citizens Bank of Eldon shows strong momentum with 2 strengths and 7.1% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 0.96% above tier
- + Efficiency Ratio 22.27% 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 ? |
$243.5M
+7.1% YoY
+2.1% QoQ
|
+$26.0M |
$217.5M
+2.3% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
61% |
| Total Loans ? |
$190.0M
+13.9% YoY
+3.8% QoQ
|
+$50.8M |
$139.2M
+2.8% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
71% |
| Total Deposits ? |
$214.1M
+8.1% YoY
+2.3% QoQ
|
+$30.5M |
$183.7M
+1.8% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
63% |
| Return on Assets ? |
2.04%
+42.5% YoY
-0.4% QoQ
|
+0.96% |
1.08%
+14.7% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Top 9% in tier |
| Net Interest Margin ? |
4.93%
+16.4% YoY
+1.8% QoQ
|
+1.08% |
3.85%
+6.6% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Top 11% in tier |
| Efficiency Ratio ? |
45.45%
-12.4% YoY
-0.8% QoQ
|
-22.27% |
67.73%
-4.8% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 5% in tier |
| Delinquency Rate ? |
0.87%
-24.5% YoY
-20.7% QoQ
|
+0.23% |
0.64%
+24.4% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
32% |
| Loan-to-Deposit Ratio ? |
88.72%
+5.3% YoY
+1.5% QoQ
|
+14.19% |
74.53%
+0.5% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
74% |
| Non-Interest-Bearing Deposit Share ? |
32.16%
-2.0% YoY
-1.1% QoQ
|
+9.77% |
22.39%
-1.3% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
84% |
| Nonperforming Asset Ratio ? |
0.68%
-19.7% YoY
-19.4% QoQ
|
+0.23% |
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 ? |
0.50%
-1.2% YoY
+25.1% QoQ
|
-0.06% |
0.56%
+0.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
69% |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 9%
in Micro
Why this stands out
Current:
2.04%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Top 5%
in Micro
Why this stands out
Current:
45.45%
(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
95
95th pctile
Efficiency Ratio
Current: 45.45% · Tier avg: 67.73%
91
91th pctile
Return on Assets
Current: 2.04% · Tier avg: 1.08%
89
89th pctile
Net Interest Margin
Current: 4.93% · Tier avg: 3.85%
84
84th pctile
Non-Interest-Bearing Deposit Share
Current: 32.16% · Tier avg: 22.39%
74
74th pctile
Loan-to-Deposit Ratio
Current: 88.72% · Tier avg: 74.53%
71
71th pctile
Total Loans
Current: $190.0M · Tier avg: $139.2M
69
69th pctile
Non-Interest Income / Assets
Current: 0.50% · Tier avg: 0.56%
63
63th pctile
Total Deposits
Current: $214.1M · Tier avg: $183.7M
61
61th pctile
Total Assets
Current: $243.5M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
32
32th pctile
Delinquency Rate
Current: 0.87% · Tier avg: 0.64%
29
29th pctile
Nonperforming Asset Ratio
Current: 0.68% · Tier avg: 0.45%
Top Weaknesses
29
29th pctile
Nonperforming Asset Ratio
Current: 0.68% · Tier avg: 0.45%
32
32th pctile
Delinquency Rate
Current: 0.87% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
61
61th pctile
Total Assets
Current: $243.5M · Tier avg: $217.5M
63
63th pctile
Total Deposits
Current: $214.1M · Tier avg: $183.7M
69
69th pctile
Non-Interest Income / Assets
Current: 0.50% · Tier avg: 0.56%
71
71th pctile
Total Loans
Current: $190.0M · Tier avg: $139.2M
74
74th pctile
Loan-to-Deposit Ratio
Current: 88.72% · Tier avg: 74.53%
84
84th pctile
Non-Interest-Bearing Deposit Share
Current: 32.16% · Tier avg: 22.39%
89
89th pctile
Net Interest Margin
Current: 4.93% · Tier avg: 3.85%
91
91th pctile
Return on Assets
Current: 2.04% · Tier avg: 1.08%
95
95th pctile
Efficiency Ratio
Current: 45.45% · Tier avg: 67.73%