BlastPoint's Banking Scorecard
Citizens State Bank
Community
Specialty: Agricultural
NE
FDIC cert 5495
Wisner, NE
1484
banks in Community tier nationally
39 in NE
View Community leaderboard (NE) →
Citizens State Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 11% in Community
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 6% in Community
- - Credit Risk Growth: Bottom 44% in Community
- - Non-Interest-Bearing Deposit Share 11.89% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$640.5M
+9.2% YoY
+4.9% QoQ
|
-$751.0M |
$1.4B
+2.0% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
20% |
| Total Loans ? |
$491.8M
+10.4% YoY
+8.7% QoQ
|
-$483.7M |
$975.5M
+2.4% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
29% |
| Total Deposits ? |
$578.5M
+9.1% YoY
+4.6% QoQ
|
-$586.1M |
$1.2B
+1.7% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
25% |
| Return on Assets ? |
1.19%
+10.6% YoY
+1.0% QoQ
|
+0.03% |
1.16%
+17.2% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
56% |
| Net Interest Margin ? |
3.42%
+1.5% YoY
+0.0% QoQ
|
-0.25% |
3.66%
+9.1% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
38% |
| Efficiency Ratio ? |
65.66%
-4.0% YoY
-0.3% QoQ
|
+3.02% |
62.63%
-5.3% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
38% |
| Delinquency Rate ? |
0.16%
+3.6% YoY
-20.7% QoQ
|
-0.47% |
0.63%
+18.3% YoY
|
0.29%
+38.1% YoY
|
0.66%
+20.3% YoY
|
76% |
| Loan-to-Deposit Ratio ? |
85.01%
+1.2% YoY
+4.0% QoQ
|
+1.95% |
83.06%
+0.3% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
49% |
| Non-Interest-Bearing Deposit Share ? |
9.15%
+0.0% YoY
+11.7% QoQ
|
-11.89% |
21.05%
-0.9% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
Bottom 9% in tier |
| Nonperforming Asset Ratio ? |
0.27%
-2.8% YoY
-11.2% QoQ
|
-0.23% |
0.50%
+20.3% YoY
|
0.26%
+54.6% YoY
|
0.48%
+20.8% YoY
|
58% |
| Tier 1 Capital Ratio ? |
11.87%
+0.3% YoY
-3.6% QoQ
|
+1.63% |
10.24%
-0.6% YoY
|
6.79%
+0.2% YoY
|
9.75%
-1.9% YoY
|
46% |
| Non-Interest Income / Assets ? |
0.26%
-2.3% YoY
+28.2% QoQ
|
-0.48% |
0.74%
-1.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
18% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#41 of 371 · Top 11% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.16%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
Concerns (3)
Credit Quality Pressure
risk
#53 of 808 · Bottom 6% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.16%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank improving
Credit Risk Growth
risk
#283 of 642 · Bottom 44% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank declining
Non-Interest-Bearing Deposit Share
metric
Bottom 9%
in Community
Why this stands out
Current:
9.15%
(Tier avg: 21.05%, National avg: 21.79%)
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
76
76th pctile
Delinquency Rate
Current: 0.16% · Tier avg: 0.63%
58
58th pctile
Nonperforming Asset Ratio
Current: 0.27% · Tier avg: 0.50%
56
56th pctile
Return on Assets
Current: 1.19% · Tier avg: 1.16%
49
49th pctile
Loan-to-Deposit Ratio
Current: 85.01% · Tier avg: 83.06%
46
46th pctile
Tier 1 Capital Ratio
Current: 11.87% · Tier avg: 10.24%
38
38th pctile
Efficiency Ratio
Current: 65.66% · Tier avg: 62.63%
38
38th pctile
Net Interest Margin
Current: 3.42% · Tier avg: 3.66%
29
29th pctile
Total Loans
Current: $491.8M · Tier avg: $975.5M
25
25th pctile
Total Deposits
Current: $578.5M · Tier avg: $1.2B
20
20th pctile
Total Assets
Current: $640.5M · Tier avg: $1.4B
18
18th pctile
Non-Interest Income / Assets
Current: 0.26% · Tier avg: 0.74%
9
9th pctile
Non-Interest-Bearing Deposit Share
Current: 9.15% · Tier avg: 21.05%
Top Weaknesses
9
9th pctile
Non-Interest-Bearing Deposit Share
Current: 9.15% · Tier avg: 21.05%
18
18th pctile
Non-Interest Income / Assets
Current: 0.26% · Tier avg: 0.74%
20
20th pctile
Total Assets
Current: $640.5M · Tier avg: $1.4B
25
25th pctile
Total Deposits
Current: $578.5M · Tier avg: $1.2B
29
29th pctile
Total Loans
Current: $491.8M · Tier avg: $975.5M
38
38th pctile
Net Interest Margin
Current: 3.42% · Tier avg: 3.66%
38
38th pctile
Efficiency Ratio
Current: 65.66% · Tier avg: 62.63%
46
46th pctile
Tier 1 Capital Ratio
Current: 11.87% · Tier avg: 10.24%
49
49th pctile
Loan-to-Deposit Ratio
Current: 85.01% · Tier avg: 83.06%
56
56th pctile
Return on Assets
Current: 1.19% · Tier avg: 1.16%
58
58th pctile
Nonperforming Asset Ratio
Current: 0.27% · Tier avg: 0.50%
76
76th pctile
Delinquency Rate
Current: 0.16% · Tier avg: 0.63%