BlastPoint's Banking Scorecard
The Citizens Bank
Micro
Specialty: Agricultural
AL
FDIC cert 22358
Designations: ✓ Community bank
Greensboro, AL
2498
banks in Micro tier nationally
65 in AL
View Micro leaderboard (AL) →
The Citizens Bank shows strong momentum with 2 strengths and 7.3% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 41.05% below tier
- + Tier 1 Capital Ratio 15.71% above 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 (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$130.7M
+7.3% YoY
+2.4% QoQ
|
-$86.8M |
$217.5M
+2.3% YoY
|
$2.4B
+1.3% YoY
|
$5.9B
+6.5% YoY
|
32% |
| Total Loans ? |
$39.4M
+3.5% YoY
+5.8% QoQ
|
-$99.7M |
$139.2M
+2.8% YoY
|
$1.5B
-0.1% YoY
|
$3.1B
+8.5% YoY
|
Bottom 15% in tier |
| Total Deposits ? |
$117.8M
+5.4% YoY
+2.9% QoQ
|
-$65.9M |
$183.7M
+1.8% YoY
|
$2.0B
+1.3% YoY
|
$4.7B
+6.3% YoY
|
35% |
| Return on Assets ? |
0.98%
-2.6% YoY
-9.4% QoQ
|
-0.11% |
1.08%
+14.7% YoY
|
1.11%
+4.4% YoY
|
1.12%
+15.6% YoY
|
44% |
| Net Interest Margin ? |
2.96%
-3.3% YoY
+0.6% QoQ
|
-0.89% |
3.85%
+6.6% YoY
|
3.94%
+3.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 15% in tier |
| Efficiency Ratio ? |
57.44%
-0.8% YoY
+6.7% QoQ
|
-10.29% |
67.73%
-4.8% YoY
|
64.78%
-3.4% YoY
|
65.09%
-5.1% YoY
|
74% |
| Delinquency Rate ? |
2.08%
+62.2% YoY
-0.9% QoQ
|
+1.44% |
0.64%
+24.4% YoY
|
0.66%
-12.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 12% in tier |
| Loan-to-Deposit Ratio ? |
33.47%
-1.8% YoY
+2.8% QoQ
|
-41.05% |
74.53%
+0.5% YoY
|
68.23%
+2.7% YoY
|
78.04%
+0.7% YoY
|
Top 3% in tier |
| Non-Interest-Bearing Deposit Share ? |
29.31%
+3.0% YoY
+3.4% QoQ
|
+6.92% |
22.39%
-1.3% YoY
|
24.36%
+3.3% YoY
|
21.79%
-1.3% YoY
|
77% |
| Nonperforming Asset Ratio ? |
0.63%
+56.5% YoY
+2.4% QoQ
|
+0.18% |
0.45%
+25.1% YoY
|
0.53%
+14.0% YoY
|
0.48%
+20.8% YoY
|
31% |
| Tier 1 Capital Ratio ? |
24.56%
+0.7% YoY
-6.1% QoQ
|
+15.71% |
8.85%
-3.4% YoY
|
6.46%
-12.3% YoY
|
9.75%
-1.9% YoY
|
Top 7% in tier |
| Non-Interest Income / Assets ? |
0.14%
-8.2% YoY
+30.2% QoQ
|
-0.42% |
0.56%
+0.3% YoY
|
0.77%
+11.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 14% in tier |
Signature Analysis
Strengths (2)
Loan-to-Deposit Ratio
metric
Top 3%
in Micro
Why this stands out
Current:
33.47%
(Tier avg: 74.53%, National avg: 78.04%)
Tier 1 Capital Ratio
metric
Top 7%
in Micro
Why this stands out
Current:
24.56%
(Tier avg: 8.85%, National avg: 9.75%)
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
97
97th pctile
Loan-to-Deposit Ratio
Current: 33.47% · Tier avg: 74.53%
93
93th pctile
Tier 1 Capital Ratio
Current: 24.56% · Tier avg: 8.85%
77
77th pctile
Non-Interest-Bearing Deposit Share
Current: 29.31% · Tier avg: 22.39%
74
74th pctile
Efficiency Ratio
Current: 57.44% · Tier avg: 67.73%
44
44th pctile
Return on Assets
Current: 0.98% · Tier avg: 1.08%
35
35th pctile
Total Deposits
Current: $117.8M · Tier avg: $183.7M
32
32th pctile
Total Assets
Current: $130.7M · Tier avg: $217.5M
31
31th pctile
Nonperforming Asset Ratio
Current: 0.63% · Tier avg: 0.45%
15
15th pctile
Net Interest Margin
Current: 2.96% · Tier avg: 3.85%
15
15th pctile
Total Loans
Current: $39.4M · Tier avg: $139.2M
14
14th pctile
Non-Interest Income / Assets
Current: 0.14% · Tier avg: 0.56%
12
12th pctile
Delinquency Rate
Current: 2.08% · Tier avg: 0.64%
Top Weaknesses
12
12th pctile
Delinquency Rate
Current: 2.08% · Tier avg: 0.64%
14
14th pctile
Non-Interest Income / Assets
Current: 0.14% · Tier avg: 0.56%
15
15th pctile
Total Loans
Current: $39.4M · Tier avg: $139.2M
15
15th pctile
Net Interest Margin
Current: 2.96% · Tier avg: 3.85%
31
31th pctile
Nonperforming Asset Ratio
Current: 0.63% · Tier avg: 0.45%
32
32th pctile
Total Assets
Current: $130.7M · Tier avg: $217.5M
35
35th pctile
Total Deposits
Current: $117.8M · Tier avg: $183.7M
44
44th pctile
Return on Assets
Current: 0.98% · Tier avg: 1.08%
74
74th pctile
Efficiency Ratio
Current: 57.44% · Tier avg: 67.73%
77
77th pctile
Non-Interest-Bearing Deposit Share
Current: 29.31% · Tier avg: 22.39%
93
93th pctile
Tier 1 Capital Ratio
Current: 24.56% · Tier avg: 8.85%
97
97th pctile
Loan-to-Deposit Ratio
Current: 33.47% · Tier avg: 74.53%