BlastPoint's Banking Scorecard
Citizens Bank of Kansas
Community
Specialty: Other
KS
FDIC cert 4707
Kingman, KS
1484
banks in Community tier nationally
38 in KS
View Community leaderboard (KS) →
Citizens Bank of Kansas shows strong momentum with 2 strengths and 7.7% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.59% below tier
- + Loan-to-Deposit Ratio 32.86% 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 (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$527.6M
+7.7% YoY
+4.4% QoQ
|
-$863.9M |
$1.4B
+2.0% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 4% in tier |
| Total Loans ? |
$240.0M
+0.7% YoY
+2.9% QoQ
|
-$735.5M |
$975.5M
+2.4% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 2% in tier |
| Total Deposits ? |
$478.1M
+6.8% YoY
+4.2% QoQ
|
-$686.5M |
$1.2B
+1.7% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
Bottom 10% in tier |
| Return on Assets ? |
0.85%
+38.6% YoY
-3.4% QoQ
|
-0.31% |
1.16%
+17.2% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
29% |
| Net Interest Margin ? |
3.29%
+10.3% YoY
+0.5% QoQ
|
-0.38% |
3.66%
+9.1% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
29% |
| Efficiency Ratio ? |
75.77%
-6.8% YoY
+1.0% QoQ
|
+13.14% |
62.63%
-5.3% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
16% |
| Delinquency Rate ? |
0.03%
-65.9% YoY
-24.8% QoQ
|
-0.59% |
0.63%
+18.3% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
Top 10% in tier |
| Loan-to-Deposit Ratio ? |
50.20%
-5.7% YoY
-1.3% QoQ
|
-32.86% |
83.06%
+0.3% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
Top 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
21.56%
-2.5% YoY
-6.9% QoQ
|
+0.51% |
21.05%
-0.9% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
57% |
| Nonperforming Asset Ratio ? |
0.05%
-18.4% YoY
-12.9% QoQ
|
-0.45% |
0.50%
+20.3% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
Top 13% in tier |
| Tier 1 Capital Ratio ? |
14.93%
+4.5% YoY
-0.8% QoQ
|
+4.68% |
10.24%
-0.6% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
76% |
| Non-Interest Income / Assets ? |
0.68%
-6.7% YoY
+23.2% QoQ
|
-0.06% |
0.74%
-1.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
67% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 10%
in Community
Why this stands out
Current:
0.03%
(Tier avg: 0.63%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Top 4%
in Community
Why this stands out
Current:
50.20%
(Tier avg: 83.06%, National avg: 78.04%)
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
Loan-to-Deposit Ratio
Current: 50.20% · Tier avg: 83.06%
90
90th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.63%
87
87th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.50%
76
76th pctile
Tier 1 Capital Ratio
Current: 14.93% · Tier avg: 10.24%
67
67th pctile
Non-Interest Income / Assets
Current: 0.68% · Tier avg: 0.74%
57
57th pctile
Non-Interest-Bearing Deposit Share
Current: 21.56% · Tier avg: 21.05%
29
29th pctile
Net Interest Margin
Current: 3.29% · Tier avg: 3.66%
29
29th pctile
Return on Assets
Current: 0.85% · Tier avg: 1.16%
16
16th pctile
Efficiency Ratio
Current: 75.77% · Tier avg: 62.63%
10
10th pctile
Total Deposits
Current: $478.1M · Tier avg: $1.2B
4
4th pctile
Total Assets
Current: $527.6M · Tier avg: $1.4B
2
2th pctile
Total Loans
Current: $240.0M · Tier avg: $975.5M
Top Weaknesses
2
2th pctile
Total Loans
Current: $240.0M · Tier avg: $975.5M
4
4th pctile
Total Assets
Current: $527.6M · Tier avg: $1.4B
10
10th pctile
Total Deposits
Current: $478.1M · Tier avg: $1.2B
16
16th pctile
Efficiency Ratio
Current: 75.77% · Tier avg: 62.63%
29
29th pctile
Return on Assets
Current: 0.85% · Tier avg: 1.16%
29
29th pctile
Net Interest Margin
Current: 3.29% · Tier avg: 3.66%
57
57th pctile
Non-Interest-Bearing Deposit Share
Current: 21.56% · Tier avg: 21.05%
67
67th pctile
Non-Interest Income / Assets
Current: 0.68% · Tier avg: 0.74%
76
76th pctile
Tier 1 Capital Ratio
Current: 14.93% · Tier avg: 10.24%
87
87th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.50%
90
90th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.63%
96
96th pctile
Loan-to-Deposit Ratio
Current: 50.20% · Tier avg: 83.06%