BlastPoint's Banking Scorecard
Citizens Bank & Trust Company
Micro
Specialty: Agricultural
NE
FDIC cert 5469
Designations: ✓ Community bank
Saint Paul, NE
2498
banks in Micro tier nationally
97 in NE
View Micro leaderboard (NE) →
Citizens Bank & Trust Company demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 16.41% 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 (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$251.7M
+1.2% YoY
+0.9% QoQ
|
+$34.2M |
$217.5M
+2.3% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
63% |
| Total Loans ? |
$157.2M
+3.0% YoY
+0.8% QoQ
|
+$18.0M |
$139.2M
+2.8% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
63% |
| Total Deposits ? |
$194.5M
+5.1% YoY
+1.7% QoQ
|
+$10.9M |
$183.7M
+1.8% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
58% |
| Return on Assets ? |
0.81%
+68.2% YoY
+6.5% QoQ
|
-0.28% |
1.08%
+14.7% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
34% |
| Net Interest Margin ? |
3.11%
+22.7% YoY
+1.1% QoQ
|
-0.74% |
3.85%
+6.6% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
19% |
| Efficiency Ratio ? |
70.12%
-12.5% YoY
-2.3% QoQ
|
+2.39% |
67.73%
-4.8% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
40% |
| Delinquency Rate ? |
0.24%
-10.6% YoY
-66.8% QoQ
|
-0.40% |
0.64%
+24.4% YoY
|
0.29%
+38.1% YoY
|
0.66%
+20.3% YoY
|
59% |
| Loan-to-Deposit Ratio ? |
80.80%
-1.9% YoY
-0.8% QoQ
|
+6.27% |
74.53%
+0.5% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
41% |
| Non-Interest-Bearing Deposit Share ? |
38.81%
-1.8% QoQ
|
+16.41% |
22.39%
-1.3% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
Top 8% in tier |
| Nonperforming Asset Ratio ? |
0.15%
-9.1% YoY
-66.8% QoQ
|
-0.30% |
0.45%
+25.1% YoY
|
0.26%
+54.6% YoY
|
0.48%
+20.8% YoY
|
61% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
6.79%
+0.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.16%
-29.7% YoY
+33.4% QoQ
|
-0.40% |
0.56%
+0.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
16% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 8%
in Micro
Why this stands out
Current:
38.81%
(Tier avg: 22.39%, National avg: 21.79%)
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
92
92th pctile
Non-Interest-Bearing Deposit Share
Current: 38.81% · Tier avg: 22.39%
63
63th pctile
Total Assets
Current: $251.7M · Tier avg: $217.5M
63
63th pctile
Total Loans
Current: $157.2M · Tier avg: $139.2M
61
61th pctile
Nonperforming Asset Ratio
Current: 0.15% · Tier avg: 0.45%
59
59th pctile
Delinquency Rate
Current: 0.24% · Tier avg: 0.64%
58
58th pctile
Total Deposits
Current: $194.5M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
41
41th pctile
Loan-to-Deposit Ratio
Current: 80.80% · Tier avg: 74.53%
40
40th pctile
Efficiency Ratio
Current: 70.12% · Tier avg: 67.73%
34
34th pctile
Return on Assets
Current: 0.81% · Tier avg: 1.08%
19
19th pctile
Net Interest Margin
Current: 3.11% · Tier avg: 3.85%
16
16th pctile
Non-Interest Income / Assets
Current: 0.16% · Tier avg: 0.56%
Top Weaknesses
16
16th pctile
Non-Interest Income / Assets
Current: 0.16% · Tier avg: 0.56%
19
19th pctile
Net Interest Margin
Current: 3.11% · Tier avg: 3.85%
34
34th pctile
Return on Assets
Current: 0.81% · Tier avg: 1.08%
40
40th pctile
Efficiency Ratio
Current: 70.12% · Tier avg: 67.73%
41
41th pctile
Loan-to-Deposit Ratio
Current: 80.80% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
58
58th pctile
Total Deposits
Current: $194.5M · Tier avg: $183.7M
59
59th pctile
Delinquency Rate
Current: 0.24% · Tier avg: 0.64%
61
61th pctile
Nonperforming Asset Ratio
Current: 0.15% · Tier avg: 0.45%
63
63th pctile
Total Loans
Current: $157.2M · Tier avg: $139.2M
63
63th pctile
Total Assets
Current: $251.7M · Tier avg: $217.5M
92
92th pctile
Non-Interest-Bearing Deposit Share
Current: 38.81% · Tier avg: 22.39%