BlastPoint's Banking Scorecard
Citizens Federal Savings Bank
Micro
Specialty: Mortgage
KS
FDIC cert 30150
Designations: ✓ Community bank ✓ Mutual
Leavenworth, KS
2498
banks in Micro tier nationally
145 in KS
View Micro leaderboard (KS) →
Citizens Federal Savings Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 0.91% below tier
- - Efficiency Ratio 25.66% above tier
- - Non-Interest-Bearing Deposit Share 13.74% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$187.6M
-0.2% YoY
-2.3% QoQ
|
-$29.9M |
$217.5M
+2.3% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
48% |
| Total Loans ? |
$132.9M
+0.1% YoY
-1.0% QoQ
|
-$6.3M |
$139.2M
+2.8% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
54% |
| Total Deposits ? |
$144.2M
+5.8% YoY
-1.6% QoQ
|
-$39.4M |
$183.7M
+1.8% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
44% |
| Return on Assets ? |
0.17%
+40.6% YoY
+40.2% QoQ
|
-0.91% |
1.08%
+14.7% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
Bottom 9% in tier |
| Net Interest Margin ? |
2.86%
+7.2% YoY
+1.5% QoQ
|
-1.00% |
3.85%
+6.6% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 12% in tier |
| Efficiency Ratio ? |
93.39%
-1.1% YoY
-2.2% QoQ
|
+25.66% |
67.73%
-4.8% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Bottom 7% in tier |
| Delinquency Rate ? |
0.23%
+144.6% YoY
-9.8% QoQ
|
-0.41% |
0.64%
+24.4% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
59% |
| Loan-to-Deposit Ratio ? |
92.14%
-5.4% YoY
+0.6% QoQ
|
+17.61% |
74.53%
+0.5% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
81% |
| Non-Interest-Bearing Deposit Share ? |
8.66%
-5.4% YoY
-12.2% QoQ
|
-13.74% |
22.39%
-1.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
Bottom 9% in tier |
| Nonperforming Asset Ratio ? |
0.17%
+145.3% YoY
-8.5% QoQ
|
-0.29% |
0.45%
+25.1% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
60% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.35%
+2.8% YoY
+42.7% QoQ
|
-0.21% |
0.56%
+0.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
49% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Return on Assets
metric
Bottom 9%
in Micro
Why this stands out
Current:
0.17%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 7%
in Micro
Why this stands out
Current:
93.39%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest-Bearing Deposit Share
metric
Bottom 9%
in Micro
Why this stands out
Current:
8.66%
(Tier avg: 22.39%, National avg: 21.79%)
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
81
81th pctile
Loan-to-Deposit Ratio
Current: 92.14% · Tier avg: 74.53%
60
60th pctile
Nonperforming Asset Ratio
Current: 0.17% · Tier avg: 0.45%
59
59th pctile
Delinquency Rate
Current: 0.23% · Tier avg: 0.64%
54
54th pctile
Total Loans
Current: $132.9M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
49
49th pctile
Non-Interest Income / Assets
Current: 0.35% · Tier avg: 0.56%
48
48th pctile
Total Assets
Current: $187.6M · Tier avg: $217.5M
44
44th pctile
Total Deposits
Current: $144.2M · Tier avg: $183.7M
12
12th pctile
Net Interest Margin
Current: 2.86% · Tier avg: 3.85%
9
9th pctile
Non-Interest-Bearing Deposit Share
Current: 8.66% · Tier avg: 22.39%
9
9th pctile
Return on Assets
Current: 0.17% · Tier avg: 1.08%
7
7th pctile
Efficiency Ratio
Current: 93.39% · Tier avg: 67.73%
Top Weaknesses
7
7th pctile
Efficiency Ratio
Current: 93.39% · Tier avg: 67.73%
9
9th pctile
Return on Assets
Current: 0.17% · Tier avg: 1.08%
9
9th pctile
Non-Interest-Bearing Deposit Share
Current: 8.66% · Tier avg: 22.39%
12
12th pctile
Net Interest Margin
Current: 2.86% · Tier avg: 3.85%
44
44th pctile
Total Deposits
Current: $144.2M · Tier avg: $183.7M
48
48th pctile
Total Assets
Current: $187.6M · Tier avg: $217.5M
49
49th pctile
Non-Interest Income / Assets
Current: 0.35% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
54
54th pctile
Total Loans
Current: $132.9M · Tier avg: $139.2M
59
59th pctile
Delinquency Rate
Current: 0.23% · Tier avg: 0.64%
60
60th pctile
Nonperforming Asset Ratio
Current: 0.17% · Tier avg: 0.45%
81
81th pctile
Loan-to-Deposit Ratio
Current: 92.14% · Tier avg: 74.53%