BlastPoint's Banking Scorecard
The Citizens Bank of Winfield
Micro
Specialty: Other
AL
FDIC cert 52
Designations: ✓ Community bank
Winfield, AL
2498
banks in Micro tier nationally
65 in AL
View Micro leaderboard (AL) →
The Citizens Bank of Winfield faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.38% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$294.6M
+8.7% YoY
+4.6% QoQ
|
+$77.1M |
$217.5M
+2.3% YoY
|
$2.4B
+1.3% YoY
|
$5.9B
+6.5% YoY
|
71% |
| Total Loans ? |
$111.3M
+24.6% YoY
+12.6% QoQ
|
-$27.9M |
$139.2M
+2.8% YoY
|
$1.5B
-0.1% YoY
|
$3.1B
+8.5% YoY
|
47% |
| Total Deposits ? |
$221.2M
-3.6% YoY
+1.8% QoQ
|
+$37.6M |
$183.7M
+1.8% YoY
|
$2.0B
+1.3% YoY
|
$4.7B
+6.3% YoY
|
65% |
| Return on Assets ? |
0.48%
+181.1% YoY
+1.4% QoQ
|
-0.60% |
1.08%
+14.7% YoY
|
1.11%
+4.4% YoY
|
1.12%
+15.6% YoY
|
18% |
| Net Interest Margin ? |
2.47%
+88.3% YoY
+3.1% QoQ
|
-1.38% |
3.85%
+6.6% YoY
|
3.94%
+3.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 6% in tier |
| Efficiency Ratio ? |
70.53%
-33.9% YoY
-5.9% QoQ
|
+2.80% |
67.73%
-4.8% YoY
|
64.78%
-3.4% YoY
|
65.09%
-5.1% YoY
|
39% |
| Delinquency Rate ? |
0.22%
+79.0% YoY
+101.8% QoQ
|
-0.42% |
0.64%
+24.4% YoY
|
0.66%
-12.1% YoY
|
0.66%
+20.3% YoY
|
61% |
| Loan-to-Deposit Ratio ? |
50.32%
+29.3% YoY
+10.6% QoQ
|
-24.20% |
74.53%
+0.5% YoY
|
68.23%
+2.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 13% in tier |
| Non-Interest-Bearing Deposit Share ? |
11.66%
+3.1% YoY
-4.4% QoQ
|
-10.73% |
22.39%
-1.3% YoY
|
24.36%
+3.3% YoY
|
21.79%
-1.3% YoY
|
Bottom 15% in tier |
| Nonperforming Asset Ratio ? |
0.09%
-12.6% YoY
+106.8% QoQ
|
-0.37% |
0.45%
+25.1% YoY
|
0.53%
+14.0% YoY
|
0.48%
+20.8% YoY
|
69% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
6.46%
-12.3% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.41%
+10.8% YoY
+29.0% QoQ
|
-0.15% |
0.56%
+0.3% YoY
|
0.77%
+11.5% YoY
|
0.65%
+0.6% YoY
|
58% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Net Interest Margin
metric
Bottom 6%
in Micro
Why this stands out
Current:
2.47%
(Tier avg: 3.85%, National avg: 3.75%)
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
71
71th pctile
Total Assets
Current: $294.6M · Tier avg: $217.5M
69
69th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.45%
65
65th pctile
Total Deposits
Current: $221.2M · Tier avg: $183.7M
61
61th pctile
Delinquency Rate
Current: 0.22% · Tier avg: 0.64%
58
58th pctile
Non-Interest Income / Assets
Current: 0.41% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
47
47th pctile
Total Loans
Current: $111.3M · Tier avg: $139.2M
39
39th pctile
Efficiency Ratio
Current: 70.53% · Tier avg: 67.73%
18
18th pctile
Return on Assets
Current: 0.48% · Tier avg: 1.08%
15
15th pctile
Non-Interest-Bearing Deposit Share
Current: 11.66% · Tier avg: 22.39%
13
13th pctile
Loan-to-Deposit Ratio
Current: 50.32% · Tier avg: 74.53%
6
6th pctile
Net Interest Margin
Current: 2.47% · Tier avg: 3.85%
Top Weaknesses
6
6th pctile
Net Interest Margin
Current: 2.47% · Tier avg: 3.85%
13
13th pctile
Loan-to-Deposit Ratio
Current: 50.32% · Tier avg: 74.53%
15
15th pctile
Non-Interest-Bearing Deposit Share
Current: 11.66% · Tier avg: 22.39%
18
18th pctile
Return on Assets
Current: 0.48% · Tier avg: 1.08%
39
39th pctile
Efficiency Ratio
Current: 70.53% · Tier avg: 67.73%
47
47th pctile
Total Loans
Current: $111.3M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
58
58th pctile
Non-Interest Income / Assets
Current: 0.41% · Tier avg: 0.56%
61
61th pctile
Delinquency Rate
Current: 0.22% · Tier avg: 0.64%
65
65th pctile
Total Deposits
Current: $221.2M · Tier avg: $183.7M
69
69th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.45%
71
71th pctile
Total Assets
Current: $294.6M · Tier avg: $217.5M