BlastPoint's Banking Scorecard
Citizens Community Bank
Community
Specialty: Commercial
IL
FDIC cert 33753
Mascoutah, IL
1484
banks in Community tier nationally
87 in IL
View Community leaderboard (IL) →
Citizens Community Bank faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 47% in Community
- - Net Interest Margin 1.08% below tier
- - Delinquency Rate 5.05% above tier
- - Nonperforming Asset Ratio 2.52% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$532.1M
+4.8% YoY
+3.1% QoQ
|
-$859.4M |
$1.4B
+2.0% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 5% in tier |
| Total Loans ? |
$282.3M
+4.7% YoY
+0.4% QoQ
|
-$693.2M |
$975.5M
+2.4% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 4% in tier |
| Total Deposits ? |
$442.8M
+13.8% YoY
+3.7% QoQ
|
-$721.8M |
$1.2B
+1.7% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
Bottom 4% in tier |
| Return on Assets ? |
0.69%
+15.8% YoY
-11.9% QoQ
|
-0.48% |
1.16%
+17.2% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
19% |
| Net Interest Margin ? |
2.58%
+13.0% YoY
+0.2% QoQ
|
-1.08% |
3.66%
+9.1% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
Bottom 7% in tier |
| Efficiency Ratio ? |
60.65%
-6.7% YoY
+0.6% QoQ
|
-1.99% |
62.63%
-5.3% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
54% |
| Delinquency Rate ? |
5.68%
+656.5% YoY
+49.7% QoQ
|
+5.05% |
0.63%
+18.3% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
63.75%
-8.0% YoY
-3.1% QoQ
|
-19.32% |
83.06%
+0.3% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Top 12% in tier |
| Non-Interest-Bearing Deposit Share ? |
12.31%
-9.3% YoY
-6.3% QoQ
|
-8.73% |
21.05%
-0.9% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
16% |
| Nonperforming Asset Ratio ? |
3.01%
+655.8% YoY
+45.8% QoQ
|
+2.52% |
0.50%
+20.3% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.23%
-17.6% YoY
+30.6% QoQ
|
-0.51% |
0.74%
-1.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 14% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Capital Thin
risk
#205 of 432 · Bottom 47% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank declining
Net Interest Margin
metric
Bottom 7%
in Community
Why this stands out
Current:
2.58%
(Tier avg: 3.66%, National avg: 3.75%)
Delinquency Rate
metric
Bottom 1%
in Community
Why this stands out
Current:
5.68%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Community
Why this stands out
Current:
3.01%
(Tier avg: 0.50%, National avg: 0.48%)
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
88
88th pctile
Loan-to-Deposit Ratio
Current: 63.75% · Tier avg: 83.06%
54
54th pctile
Efficiency Ratio
Current: 60.65% · Tier avg: 62.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
19
19th pctile
Return on Assets
Current: 0.69% · Tier avg: 1.16%
16
16th pctile
Non-Interest-Bearing Deposit Share
Current: 12.31% · Tier avg: 21.05%
14
14th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.74%
7
7th pctile
Net Interest Margin
Current: 2.58% · Tier avg: 3.66%
5
5th pctile
Total Assets
Current: $532.1M · Tier avg: $1.4B
4
4th pctile
Total Loans
Current: $282.3M · Tier avg: $975.5M
4
4th pctile
Total Deposits
Current: $442.8M · Tier avg: $1.2B
0
0th pctile
Delinquency Rate
Current: 5.68% · Tier avg: 0.63%
0
0th pctile
Nonperforming Asset Ratio
Current: 3.01% · Tier avg: 0.50%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 3.01% · Tier avg: 0.50%
0
0th pctile
Delinquency Rate
Current: 5.68% · Tier avg: 0.63%
4
4th pctile
Total Deposits
Current: $442.8M · Tier avg: $1.2B
4
4th pctile
Total Loans
Current: $282.3M · Tier avg: $975.5M
5
5th pctile
Total Assets
Current: $532.1M · Tier avg: $1.4B
7
7th pctile
Net Interest Margin
Current: 2.58% · Tier avg: 3.66%
14
14th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.74%
16
16th pctile
Non-Interest-Bearing Deposit Share
Current: 12.31% · Tier avg: 21.05%
19
19th pctile
Return on Assets
Current: 0.69% · Tier avg: 1.16%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
54
54th pctile
Efficiency Ratio
Current: 60.65% · Tier avg: 62.63%
88
88th pctile
Loan-to-Deposit Ratio
Current: 63.75% · Tier avg: 83.06%