BlastPoint's Banking Scorecard
Citizens Savings Bank
Micro
Specialty: Mortgage
PA
FDIC cert 31184
Designations: ✓ Community bank ✓ Mutual
Clarks Summit, PA
2498
banks in Micro tier nationally
44 in PA
View Micro leaderboard (PA) →
Citizens Savings Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 21.54% above tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.34% below tier
- - Efficiency Ratio 21.21% above tier
- - Non-Interest-Bearing Deposit Share 13.75% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$355.2M
-1.8% YoY
+1.9% QoQ
|
+$137.7M |
$217.5M
+2.3% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
81% |
| Total Loans ? |
$290.8M
-1.7% YoY
-0.1% QoQ
|
+$151.6M |
$139.2M
+2.8% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
Top 9% in tier |
| Total Deposits ? |
$300.7M
-2.7% YoY
+2.1% QoQ
|
+$117.1M |
$183.7M
+1.8% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
81% |
| Return on Assets ? |
0.25%
+140.4% YoY
+2.3% QoQ
|
-0.84% |
1.08%
+14.7% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 11% in tier |
| Net Interest Margin ? |
2.51%
+16.7% YoY
-0.1% QoQ
|
-1.34% |
3.85%
+6.6% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 6% in tier |
| Efficiency Ratio ? |
88.93%
-12.3% YoY
-0.4% QoQ
|
+21.21% |
67.73%
-4.8% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 10% in tier |
| Delinquency Rate ? |
0.23%
+34.7% YoY
-17.0% QoQ
|
-0.41% |
0.64%
+24.4% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
59% |
| Loan-to-Deposit Ratio ? |
96.69%
+1.1% YoY
-2.2% QoQ
|
+22.16% |
74.53%
+0.5% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
Top 13% in tier |
| Non-Interest-Bearing Deposit Share ? |
8.64%
+5.9% YoY
-3.9% QoQ
|
-13.75% |
22.39%
-1.3% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
Bottom 9% in tier |
| Nonperforming Asset Ratio ? |
0.19%
+34.8% YoY
-18.6% QoQ
|
-0.26% |
0.45%
+25.1% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
58% |
| Tier 1 Capital Ratio ? |
30.39%
+3.2% YoY
+0.2% QoQ
|
+21.54% |
8.85%
-3.4% YoY
|
11.49%
+7.4% YoY
|
9.75%
-1.9% YoY
|
Top 4% in tier |
| Non-Interest Income / Assets ? |
0.29%
+11.7% YoY
+29.2% QoQ
|
-0.27% |
0.56%
+0.3% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
39% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 4%
in Micro
Why this stands out
Current:
30.39%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (3)
Net Interest Margin
metric
Bottom 6%
in Micro
Why this stands out
Current:
2.51%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 10%
in Micro
Why this stands out
Current:
88.93%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest-Bearing Deposit Share
metric
Bottom 9%
in Micro
Why this stands out
Current:
8.64%
(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
96
96th pctile
Tier 1 Capital Ratio
Current: 30.39% · Tier avg: 8.85%
91
91th pctile
Total Loans
Current: $290.8M · Tier avg: $139.2M
87
87th pctile
Loan-to-Deposit Ratio
Current: 96.69% · Tier avg: 74.53%
81
81th pctile
Total Deposits
Current: $300.7M · Tier avg: $183.7M
81
81th pctile
Total Assets
Current: $355.2M · Tier avg: $217.5M
59
59th pctile
Delinquency Rate
Current: 0.23% · Tier avg: 0.64%
58
58th pctile
Nonperforming Asset Ratio
Current: 0.19% · Tier avg: 0.45%
39
39th pctile
Non-Interest Income / Assets
Current: 0.29% · Tier avg: 0.56%
11
11th pctile
Return on Assets
Current: 0.25% · Tier avg: 1.08%
10
10th pctile
Efficiency Ratio
Current: 88.93% · Tier avg: 67.73%
9
9th pctile
Non-Interest-Bearing Deposit Share
Current: 8.64% · Tier avg: 22.39%
6
6th pctile
Net Interest Margin
Current: 2.51% · Tier avg: 3.85%
Top Weaknesses
6
6th pctile
Net Interest Margin
Current: 2.51% · Tier avg: 3.85%
9
9th pctile
Non-Interest-Bearing Deposit Share
Current: 8.64% · Tier avg: 22.39%
10
10th pctile
Efficiency Ratio
Current: 88.93% · Tier avg: 67.73%
11
11th pctile
Return on Assets
Current: 0.25% · Tier avg: 1.08%
39
39th pctile
Non-Interest Income / Assets
Current: 0.29% · Tier avg: 0.56%
58
58th pctile
Nonperforming Asset Ratio
Current: 0.19% · Tier avg: 0.45%
59
59th pctile
Delinquency Rate
Current: 0.23% · Tier avg: 0.64%
81
81th pctile
Total Assets
Current: $355.2M · Tier avg: $217.5M
81
81th pctile
Total Deposits
Current: $300.7M · Tier avg: $183.7M
87
87th pctile
Loan-to-Deposit Ratio
Current: 96.69% · Tier avg: 74.53%
91
91th pctile
Total Loans
Current: $290.8M · Tier avg: $139.2M
96
96th pctile
Tier 1 Capital Ratio
Current: 30.39% · Tier avg: 8.85%