BlastPoint's Banking Scorecard
Citizens Community Bank
Micro
Specialty: Commercial
TN
FDIC cert 33739
Designations: ✓ Community bank
Winchester, TN
2498
banks in Micro tier nationally
57 in TN
View Micro leaderboard (TN) →
Citizens Community Bank shows strong momentum with 1 strength and 5.0% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 23.41% 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 (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$365.0M
+5.0% YoY
+2.6% QoQ
|
+$147.5M |
$217.5M
+2.3% YoY
|
$2.2B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
83% |
| Total Loans ? |
$224.5M
+6.8% YoY
+5.0% QoQ
|
+$85.3M |
$139.2M
+2.8% YoY
|
$1.6B
+8.0% YoY
|
$3.1B
+8.5% YoY
|
80% |
| Total Deposits ? |
$318.3M
+3.9% YoY
+3.3% QoQ
|
+$134.6M |
$183.7M
+1.8% YoY
|
$1.9B
+7.5% YoY
|
$4.7B
+6.3% YoY
|
84% |
| Return on Assets ? |
1.80%
+18.9% YoY
+4.3% QoQ
|
+0.72% |
1.08%
+14.7% YoY
|
1.12%
+10.3% YoY
|
1.12%
+15.6% YoY
|
85% |
| Net Interest Margin ? |
4.14%
+4.9% YoY
+0.6% QoQ
|
+0.29% |
3.85%
+6.6% YoY
|
3.88%
+7.5% YoY
|
3.75%
+7.1% YoY
|
65% |
| Efficiency Ratio ? |
44.32%
-6.3% YoY
-1.8% QoQ
|
-23.41% |
67.73%
-4.8% YoY
|
65.37%
-3.6% YoY
|
65.09%
-5.1% YoY
|
Top 4% in tier |
| Delinquency Rate ? |
0.05%
-69.5% YoY
-63.3% QoQ
|
-0.59% |
0.64%
+24.4% YoY
|
0.47%
-3.0% YoY
|
0.66%
+20.3% YoY
|
75% |
| Loan-to-Deposit Ratio ? |
70.54%
+2.8% YoY
+1.7% QoQ
|
-3.99% |
74.53%
+0.5% YoY
|
80.28%
+1.8% YoY
|
78.04%
+0.7% YoY
|
40% |
| Non-Interest-Bearing Deposit Share ? |
18.62%
+7.9% YoY
+23.6% QoQ
|
-3.77% |
22.39%
-1.3% YoY
|
18.56%
-3.5% YoY
|
21.79%
-1.3% YoY
|
36% |
| Nonperforming Asset Ratio ? |
0.03%
-93.6% YoY
-62.5% QoQ
|
-0.42% |
0.45%
+25.1% YoY
|
0.45%
+14.3% YoY
|
0.48%
+20.8% YoY
|
76% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.10%
+3.0% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.33%
+15.9% YoY
+30.8% QoQ
|
-0.23% |
0.56%
+0.3% YoY
|
0.72%
-2.8% YoY
|
0.65%
+0.6% YoY
|
45% |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 4%
in Micro
Why this stands out
Current:
44.32%
(Tier avg: 67.73%, National avg: 65.09%)
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
96
96th pctile
Efficiency Ratio
Current: 44.32% · Tier avg: 67.73%
85
85th pctile
Return on Assets
Current: 1.80% · Tier avg: 1.08%
84
84th pctile
Total Deposits
Current: $318.3M · Tier avg: $183.7M
83
83th pctile
Total Assets
Current: $365.0M · Tier avg: $217.5M
80
80th pctile
Total Loans
Current: $224.5M · Tier avg: $139.2M
76
76th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.45%
75
75th pctile
Delinquency Rate
Current: 0.05% · Tier avg: 0.64%
65
65th pctile
Net Interest Margin
Current: 4.14% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
45
45th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.56%
40
40th pctile
Loan-to-Deposit Ratio
Current: 70.54% · Tier avg: 74.53%
36
36th pctile
Non-Interest-Bearing Deposit Share
Current: 18.62% · Tier avg: 22.39%
Top Weaknesses
36
36th pctile
Non-Interest-Bearing Deposit Share
Current: 18.62% · Tier avg: 22.39%
40
40th pctile
Loan-to-Deposit Ratio
Current: 70.54% · Tier avg: 74.53%
45
45th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
65
65th pctile
Net Interest Margin
Current: 4.14% · Tier avg: 3.85%
75
75th pctile
Delinquency Rate
Current: 0.05% · Tier avg: 0.64%
76
76th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.45%
80
80th pctile
Total Loans
Current: $224.5M · Tier avg: $139.2M
83
83th pctile
Total Assets
Current: $365.0M · Tier avg: $217.5M
84
84th pctile
Total Deposits
Current: $318.3M · Tier avg: $183.7M
85
85th pctile
Return on Assets
Current: 1.80% · Tier avg: 1.08%
96
96th pctile
Efficiency Ratio
Current: 44.32% · Tier avg: 67.73%