BlastPoint's Banking Scorecard
Citizens Bank
Micro
Specialty: Commercial
MS
FDIC cert 324
Designations: ✓ Community bank
Columbia, MS
2498
banks in Micro tier nationally
31 in MS
View Micro leaderboard (MS) →
Citizens Bank demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 0.96% above tier
- + Non-Interest Income / Assets 0.38% 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 (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$470.1M
+0.2% YoY
-2.2% QoQ
|
+$252.6M |
$217.5M
+2.3% YoY
|
$2.2B
+10.7% YoY
|
$5.9B
+6.5% YoY
|
Top 4% in tier |
| Total Loans ? |
$296.5M
-0.9% YoY
+0.3% QoQ
|
+$157.3M |
$139.2M
+2.8% YoY
|
$1.5B
+12.2% YoY
|
$3.1B
+8.5% YoY
|
Top 8% in tier |
| Total Deposits ? |
$404.8M
-1.0% YoY
-2.9% QoQ
|
+$221.1M |
$183.7M
+1.8% YoY
|
$1.9B
+9.4% YoY
|
$4.7B
+6.3% YoY
|
Top 3% in tier |
| Return on Assets ? |
2.04%
+10.4% YoY
-4.5% QoQ
|
+0.96% |
1.08%
+14.7% YoY
|
1.01%
-3.5% YoY
|
1.12%
+15.6% YoY
|
Top 9% in tier |
| Net Interest Margin ? |
4.96%
+3.1% YoY
+1.9% QoQ
|
+1.11% |
3.85%
+6.6% YoY
|
3.89%
+5.4% YoY
|
3.75%
+7.1% YoY
|
Top 10% in tier |
| Efficiency Ratio ? |
61.14%
-1.9% YoY
+5.2% QoQ
|
-6.59% |
67.73%
-4.8% YoY
|
68.70%
-1.6% YoY
|
65.09%
-5.1% YoY
|
64% |
| Delinquency Rate ? |
0.61%
+33.1% YoY
+30.4% QoQ
|
-0.03% |
0.64%
+24.4% YoY
|
0.98%
+32.9% YoY
|
0.66%
+20.3% YoY
|
41% |
| Loan-to-Deposit Ratio ? |
73.25%
+0.1% YoY
+3.3% QoQ
|
-1.28% |
74.53%
+0.5% YoY
|
71.82%
+2.7% YoY
|
78.04%
+0.7% YoY
|
44% |
| Non-Interest-Bearing Deposit Share ? |
33.44%
+4.7% YoY
-2.4% QoQ
|
+11.05% |
22.39%
-1.3% YoY
|
23.43%
+1.6% YoY
|
21.79%
-1.3% YoY
|
Top 14% in tier |
| Nonperforming Asset Ratio ? |
0.42%
+8.6% YoY
+30.8% QoQ
|
-0.04% |
0.45%
+25.1% YoY
|
0.61%
+16.2% YoY
|
0.48%
+20.8% YoY
|
42% |
| Tier 1 Capital Ratio ? |
21.61%
+4.1% YoY
-2.1% QoQ
|
+12.76% |
8.85%
-3.4% YoY
|
6.62%
-3.2% YoY
|
9.75%
-1.9% YoY
|
Top 11% in tier |
| Non-Interest Income / Assets ? |
0.95%
-2.7% YoY
+35.5% QoQ
|
+0.38% |
0.56%
+0.3% YoY
|
0.73%
-13.2% YoY
|
0.65%
+0.6% YoY
|
Top 9% in tier |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 9%
in Micro
Why this stands out
Current:
2.04%
(Tier avg: 1.08%, National avg: 1.12%)
Non-Interest Income / Assets
metric
Top 9%
in Micro
Why this stands out
Current:
0.95%
(Tier avg: 0.56%, National avg: 0.65%)
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
Total Deposits
Current: $404.8M · Tier avg: $183.7M
96
96th pctile
Total Assets
Current: $470.1M · Tier avg: $217.5M
92
92th pctile
Total Loans
Current: $296.5M · Tier avg: $139.2M
91
91th pctile
Return on Assets
Current: 2.04% · Tier avg: 1.08%
91
91th pctile
Non-Interest Income / Assets
Current: 0.95% · Tier avg: 0.56%
90
90th pctile
Net Interest Margin
Current: 4.96% · Tier avg: 3.85%
89
89th pctile
Tier 1 Capital Ratio
Current: 21.61% · Tier avg: 8.85%
86
86th pctile
Non-Interest-Bearing Deposit Share
Current: 33.44% · Tier avg: 22.39%
64
64th pctile
Efficiency Ratio
Current: 61.14% · Tier avg: 67.73%
44
44th pctile
Loan-to-Deposit Ratio
Current: 73.25% · Tier avg: 74.53%
42
42th pctile
Nonperforming Asset Ratio
Current: 0.42% · Tier avg: 0.45%
41
41th pctile
Delinquency Rate
Current: 0.61% · Tier avg: 0.64%
Top Weaknesses
41
41th pctile
Delinquency Rate
Current: 0.61% · Tier avg: 0.64%
42
42th pctile
Nonperforming Asset Ratio
Current: 0.42% · Tier avg: 0.45%
44
44th pctile
Loan-to-Deposit Ratio
Current: 73.25% · Tier avg: 74.53%
64
64th pctile
Efficiency Ratio
Current: 61.14% · Tier avg: 67.73%
86
86th pctile
Non-Interest-Bearing Deposit Share
Current: 33.44% · Tier avg: 22.39%
89
89th pctile
Tier 1 Capital Ratio
Current: 21.61% · Tier avg: 8.85%
90
90th pctile
Net Interest Margin
Current: 4.96% · Tier avg: 3.85%
91
91th pctile
Non-Interest Income / Assets
Current: 0.95% · Tier avg: 0.56%
91
91th pctile
Return on Assets
Current: 2.04% · Tier avg: 1.08%
92
92th pctile
Total Loans
Current: $296.5M · Tier avg: $139.2M
96
96th pctile
Total Assets
Current: $470.1M · Tier avg: $217.5M
97
97th pctile
Total Deposits
Current: $404.8M · Tier avg: $183.7M