BlastPoint's Banking Scorecard
Citizens Bank
Micro
Specialty: Agricultural
MO
FDIC cert 22601
Designations: ✓ Community bank
Butler, MO
2498
banks in Micro tier nationally
125 in MO
View Micro leaderboard (MO) →
Citizens Bank demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.72% above tier
- + Net Interest Margin 2.91% 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 (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$183.8M
-0.9% YoY
-2.1% QoQ
|
-$33.7M |
$217.5M
+2.3% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
47% |
| Total Loans ? |
$162.1M
+7.1% YoY
+1.2% QoQ
|
+$22.9M |
$139.2M
+2.8% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
64% |
| Total Deposits ? |
$165.1M
-1.1% YoY
-2.9% QoQ
|
-$18.6M |
$183.7M
+1.8% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
50% |
| Return on Assets ? |
2.81%
-2.2% YoY
-0.7% QoQ
|
+1.72% |
1.08%
+14.7% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Top 2% in tier |
| Net Interest Margin ? |
6.76%
+3.7% YoY
+0.5% QoQ
|
+2.91% |
3.85%
+6.6% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Top 1% in tier |
| Efficiency Ratio ? |
55.19%
+5.5% YoY
+0.6% QoQ
|
-12.53% |
67.73%
-4.8% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
80% |
| Delinquency Rate ? |
0.10%
+505.1% YoY
-33.9% QoQ
|
-0.54% |
0.64%
+24.4% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
70% |
| Loan-to-Deposit Ratio ? |
98.20%
+8.3% YoY
+4.3% QoQ
|
+23.67% |
74.53%
+0.5% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
Bottom 11% in tier |
| Non-Interest-Bearing Deposit Share ? |
35.69%
+2.7% YoY
+0.1% QoQ
|
+13.30% |
22.39%
-1.3% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
Top 11% in tier |
| Nonperforming Asset Ratio ? |
0.12%
-48.6% YoY
-25.1% QoQ
|
-0.33% |
0.45%
+25.1% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
65% |
| Tier 1 Capital Ratio ? |
10.08%
-16.6% YoY
-9.2% QoQ
|
+1.23% |
8.85%
-3.4% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
52% |
| Non-Interest Income / Assets ? |
0.38%
+3.7% YoY
+31.1% QoQ
|
-0.18% |
0.56%
+0.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
54% |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 2%
in Micro
Why this stands out
Current:
2.81%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 1%
in Micro
Why this stands out
Current:
6.76%
(Tier avg: 3.85%, National avg: 3.75%)
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
99
99th pctile
Net Interest Margin
Current: 6.76% · Tier avg: 3.85%
98
98th pctile
Return on Assets
Current: 2.81% · Tier avg: 1.08%
89
89th pctile
Non-Interest-Bearing Deposit Share
Current: 35.69% · Tier avg: 22.39%
80
80th pctile
Efficiency Ratio
Current: 55.19% · Tier avg: 67.73%
70
70th pctile
Delinquency Rate
Current: 0.10% · Tier avg: 0.64%
65
65th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.45%
64
64th pctile
Total Loans
Current: $162.1M · Tier avg: $139.2M
54
54th pctile
Non-Interest Income / Assets
Current: 0.38% · Tier avg: 0.56%
52
52th pctile
Tier 1 Capital Ratio
Current: 10.08% · Tier avg: 8.85%
50
50th pctile
Total Deposits
Current: $165.1M · Tier avg: $183.7M
47
47th pctile
Total Assets
Current: $183.8M · Tier avg: $217.5M
11
11th pctile
Loan-to-Deposit Ratio
Current: 98.20% · Tier avg: 74.53%
Top Weaknesses
11
11th pctile
Loan-to-Deposit Ratio
Current: 98.20% · Tier avg: 74.53%
47
47th pctile
Total Assets
Current: $183.8M · Tier avg: $217.5M
50
50th pctile
Total Deposits
Current: $165.1M · Tier avg: $183.7M
52
52th pctile
Tier 1 Capital Ratio
Current: 10.08% · Tier avg: 8.85%
54
54th pctile
Non-Interest Income / Assets
Current: 0.38% · Tier avg: 0.56%
64
64th pctile
Total Loans
Current: $162.1M · Tier avg: $139.2M
65
65th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.45%
70
70th pctile
Delinquency Rate
Current: 0.10% · Tier avg: 0.64%
80
80th pctile
Efficiency Ratio
Current: 55.19% · Tier avg: 67.73%
89
89th pctile
Non-Interest-Bearing Deposit Share
Current: 35.69% · Tier avg: 22.39%
98
98th pctile
Return on Assets
Current: 2.81% · Tier avg: 1.08%
99
99th pctile
Net Interest Margin
Current: 6.76% · Tier avg: 3.85%