BlastPoint's Banking Scorecard
Citizens Bank and Trust
Community
Specialty: Commercial
FL
FDIC cert 5673
Frostproof, FL
1484
banks in Community tier nationally
36 in FL
View Community leaderboard (FL) →
Citizens Bank and Trust shows strong momentum with 1 strength and 7.4% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 21.23% 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 (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.4B
+7.4% YoY
-0.5% QoQ
|
+$55.8M |
$1.4B
+2.0% YoY
|
$4.1B
+13.2% YoY
|
$5.9B
+6.5% YoY
|
68% |
| Total Loans ? |
$848.9M
+9.4% YoY
+2.5% QoQ
|
-$126.6M |
$975.5M
+2.4% YoY
|
$2.9B
+14.7% YoY
|
$3.1B
+8.5% YoY
|
61% |
| Total Deposits ? |
$1.4B
+5.4% YoY
-0.3% QoQ
|
+$208.1M |
$1.2B
+1.7% YoY
|
$3.4B
+13.4% YoY
|
$4.7B
+6.3% YoY
|
74% |
| Return on Assets ? |
1.03%
+52.7% YoY
-2.6% QoQ
|
-0.13% |
1.16%
+17.2% YoY
|
1.01%
+12.7% YoY
|
1.12%
+15.6% YoY
|
42% |
| Net Interest Margin ? |
3.13%
+22.1% YoY
+0.6% QoQ
|
-0.53% |
3.66%
+9.1% YoY
|
3.69%
+4.1% YoY
|
3.75%
+7.1% YoY
|
22% |
| Efficiency Ratio ? |
67.05%
-12.5% YoY
-0.9% QoQ
|
+4.42% |
62.63%
-5.3% YoY
|
67.57%
-3.0% YoY
|
65.09%
-5.1% YoY
|
35% |
| Delinquency Rate ? |
0.49%
-69.6% YoY
+53.1% QoQ
|
-0.13% |
0.63%
+18.3% YoY
|
0.34%
-31.5% YoY
|
0.66%
+20.3% YoY
|
47% |
| Loan-to-Deposit Ratio ? |
61.84%
+3.7% YoY
+2.8% QoQ
|
-21.23% |
83.06%
+0.3% YoY
|
76.49%
+0.5% YoY
|
78.04%
+0.7% YoY
|
Top 10% in tier |
| Non-Interest-Bearing Deposit Share ? |
30.72%
-11.9% YoY
+0.1% QoQ
|
+9.68% |
21.05%
-0.9% YoY
|
27.37%
-1.6% YoY
|
21.79%
-1.3% YoY
|
Top 15% in tier |
| Nonperforming Asset Ratio ? |
0.29%
-69.0% YoY
+57.6% QoQ
|
-0.21% |
0.50%
+20.3% YoY
|
0.26%
-19.5% YoY
|
0.48%
+20.8% YoY
|
56% |
| Tier 1 Capital Ratio ? |
12.17%
+0.7% YoY
-0.3% QoQ
|
+1.93% |
10.24%
-0.6% YoY
|
11.37%
-0.5% YoY
|
9.75%
-1.9% YoY
|
49% |
| Non-Interest Income / Assets ? |
0.76%
+4.0% YoY
+37.1% QoQ
|
+0.02% |
0.74%
-1.3% YoY
|
0.85%
-7.6% YoY
|
0.65%
+0.6% YoY
|
75% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 10%
in Community
Why this stands out
Current:
61.84%
(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
90
90th pctile
Loan-to-Deposit Ratio
Current: 61.84% · Tier avg: 83.06%
85
85th pctile
Non-Interest-Bearing Deposit Share
Current: 30.72% · Tier avg: 21.05%
75
75th pctile
Non-Interest Income / Assets
Current: 0.76% · Tier avg: 0.74%
74
74th pctile
Total Deposits
Current: $1.4B · Tier avg: $1.2B
68
68th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
61
61th pctile
Total Loans
Current: $848.9M · Tier avg: $975.5M
56
56th pctile
Nonperforming Asset Ratio
Current: 0.29% · Tier avg: 0.50%
49
49th pctile
Tier 1 Capital Ratio
Current: 12.17% · Tier avg: 10.24%
47
47th pctile
Delinquency Rate
Current: 0.49% · Tier avg: 0.63%
42
42th pctile
Return on Assets
Current: 1.03% · Tier avg: 1.16%
35
35th pctile
Efficiency Ratio
Current: 67.05% · Tier avg: 62.63%
22
22th pctile
Net Interest Margin
Current: 3.13% · Tier avg: 3.66%
Top Weaknesses
22
22th pctile
Net Interest Margin
Current: 3.13% · Tier avg: 3.66%
35
35th pctile
Efficiency Ratio
Current: 67.05% · Tier avg: 62.63%
42
42th pctile
Return on Assets
Current: 1.03% · Tier avg: 1.16%
47
47th pctile
Delinquency Rate
Current: 0.49% · Tier avg: 0.63%
49
49th pctile
Tier 1 Capital Ratio
Current: 12.17% · Tier avg: 10.24%
56
56th pctile
Nonperforming Asset Ratio
Current: 0.29% · Tier avg: 0.50%
61
61th pctile
Total Loans
Current: $848.9M · Tier avg: $975.5M
68
68th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
74
74th pctile
Total Deposits
Current: $1.4B · Tier avg: $1.2B
75
75th pctile
Non-Interest Income / Assets
Current: 0.76% · Tier avg: 0.74%
85
85th pctile
Non-Interest-Bearing Deposit Share
Current: 30.72% · Tier avg: 21.05%
90
90th pctile
Loan-to-Deposit Ratio
Current: 61.84% · Tier avg: 83.06%