BlastPoint's Banking Scorecard
Citizens Bank
Micro
Specialty: Agricultural
TX
FDIC cert 3140
Designations: ✓ Community bank
Amarillo, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
Citizens Bank shows strong momentum with 4 strengths and 18.2% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.45% above tier
- + Efficiency Ratio 24.29% below tier
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% 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 (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$302.8M
+18.2% YoY
+2.7% QoQ
|
+$85.3M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
73% |
| Total Loans ? |
$176.8M
+8.2% YoY
-3.3% QoQ
|
+$37.6M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
68% |
| Total Deposits ? |
$268.5M
+19.1% YoY
+3.2% QoQ
|
+$84.9M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
75% |
| Return on Assets ? |
2.53%
-11.5% YoY
-1.1% QoQ
|
+1.45% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 3% in tier |
| Net Interest Margin ? |
4.64%
-9.4% YoY
-1.5% QoQ
|
+0.78% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
83% |
| Efficiency Ratio ? |
43.44%
+3.6% YoY
-0.4% QoQ
|
-24.29% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Top 4% in tier |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.64% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
65.83%
-9.1% YoY
-6.3% QoQ
|
-8.70% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
32% |
| Non-Interest-Bearing Deposit Share ? |
19.45%
-13.2% YoY
+4.1% QoQ
|
-2.94% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
40% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.45% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
15.33%
+1.7% YoY
+6.3% QoQ
|
+6.48% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
73% |
| Non-Interest Income / Assets ? |
0.15%
-21.0% YoY
+27.2% QoQ
|
-0.41% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Bottom 15% in tier |
Signature Analysis
Strengths (4)
Return on Assets
metric
Top 3%
in Micro
Why this stands out
Current:
2.53%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Top 4%
in Micro
Why this stands out
Current:
43.44%
(Tier avg: 67.73%, National avg: 65.09%)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
97
97th pctile
Return on Assets
Current: 2.53% · Tier avg: 1.08%
96
96th pctile
Efficiency Ratio
Current: 43.44% · Tier avg: 67.73%
83
83th pctile
Net Interest Margin
Current: 4.64% · Tier avg: 3.85%
75
75th pctile
Total Deposits
Current: $268.5M · Tier avg: $183.7M
73
73th pctile
Tier 1 Capital Ratio
Current: 15.33% · Tier avg: 8.85%
73
73th pctile
Total Assets
Current: $302.8M · Tier avg: $217.5M
68
68th pctile
Total Loans
Current: $176.8M · Tier avg: $139.2M
40
40th pctile
Non-Interest-Bearing Deposit Share
Current: 19.45% · Tier avg: 22.39%
32
32th pctile
Loan-to-Deposit Ratio
Current: 65.83% · Tier avg: 74.53%
15
15th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.56%
Top Weaknesses
15
15th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.56%
32
32th pctile
Loan-to-Deposit Ratio
Current: 65.83% · Tier avg: 74.53%
40
40th pctile
Non-Interest-Bearing Deposit Share
Current: 19.45% · Tier avg: 22.39%
68
68th pctile
Total Loans
Current: $176.8M · Tier avg: $139.2M
73
73th pctile
Total Assets
Current: $302.8M · Tier avg: $217.5M
73
73th pctile
Tier 1 Capital Ratio
Current: 15.33% · Tier avg: 8.85%
75
75th pctile
Total Deposits
Current: $268.5M · Tier avg: $183.7M
83
83th pctile
Net Interest Margin
Current: 4.64% · Tier avg: 3.85%
96
96th pctile
Efficiency Ratio
Current: 43.44% · Tier avg: 67.73%
97
97th pctile
Return on Assets
Current: 2.53% · Tier avg: 1.08%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%