BlastPoint's Banking Scorecard
Citizens Bank & Trust
Community
Specialty: Commercial
AL
FDIC cert 57483
Guntersville, AL
1484
banks in Community tier nationally
26 in AL
View Community leaderboard (AL) →
Citizens Bank & Trust shows strong momentum with 1 strength and 5.6% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 18% in Community
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 (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+5.6% YoY
-0.9% QoQ
|
-$302.7M |
$1.4B
+2.0% YoY
|
$2.4B
+1.3% YoY
|
$5.9B
+6.5% YoY
|
55% |
| Total Loans ? |
$622.3M
+9.3% YoY
+3.0% QoQ
|
-$353.2M |
$975.5M
+2.4% YoY
|
$1.5B
-0.1% YoY
|
$3.1B
+8.5% YoY
|
43% |
| Total Deposits ? |
$991.3M
+9.0% YoY
-0.6% QoQ
|
-$173.3M |
$1.2B
+1.7% YoY
|
$2.0B
+1.3% YoY
|
$4.7B
+6.3% YoY
|
59% |
| Return on Assets ? |
0.58%
+27.0% YoY
+2.1% QoQ
|
-0.58% |
1.16%
+17.2% YoY
|
1.11%
+4.4% YoY
|
1.12%
+15.6% YoY
|
Bottom 14% in tier |
| Net Interest Margin ? |
2.78%
+20.3% YoY
+1.3% QoQ
|
-0.89% |
3.66%
+9.1% YoY
|
3.94%
+3.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 11% in tier |
| Efficiency Ratio ? |
76.52%
-7.0% YoY
-0.4% QoQ
|
+13.88% |
62.63%
-5.3% YoY
|
64.78%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 14% in tier |
| Delinquency Rate ? |
0.15%
-12.0% YoY
-34.5% QoQ
|
-0.48% |
0.63%
+18.3% YoY
|
0.66%
-12.1% YoY
|
0.66%
+20.3% YoY
|
76% |
| Loan-to-Deposit Ratio ? |
62.77%
+0.3% YoY
+3.6% QoQ
|
-20.29% |
83.06%
+0.3% YoY
|
68.23%
+2.7% YoY
|
78.04%
+0.7% YoY
|
Top 11% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.07%
-5.6% YoY
-3.3% QoQ
|
-0.98% |
21.05%
-0.9% YoY
|
24.36%
+3.3% YoY
|
21.79%
-1.3% YoY
|
50% |
| Nonperforming Asset Ratio ? |
0.09%
-29.0% YoY
-32.0% QoQ
|
-0.41% |
0.50%
+20.3% YoY
|
0.53%
+14.0% YoY
|
0.48%
+20.8% YoY
|
81% |
| Tier 1 Capital Ratio ? |
14.25%
-0.0% YoY
-2.8% QoQ
|
+4.01% |
10.24%
-0.6% YoY
|
6.46%
-12.3% YoY
|
9.75%
-1.9% YoY
|
71% |
| Non-Interest Income / Assets ? |
0.52%
-31.2% YoY
+35.5% QoQ
|
-0.22% |
0.74%
-1.3% YoY
|
0.77%
+11.5% YoY
|
0.65%
+0.6% YoY
|
51% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#69 of 371 · Top 18% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.15%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
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
89
89th pctile
Loan-to-Deposit Ratio
Current: 62.77% · Tier avg: 83.06%
81
81th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.50%
76
76th pctile
Delinquency Rate
Current: 0.15% · Tier avg: 0.63%
71
71th pctile
Tier 1 Capital Ratio
Current: 14.25% · Tier avg: 10.24%
59
59th pctile
Total Deposits
Current: $991.3M · Tier avg: $1.2B
55
55th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
51
51th pctile
Non-Interest Income / Assets
Current: 0.52% · Tier avg: 0.74%
50
50th pctile
Non-Interest-Bearing Deposit Share
Current: 20.07% · Tier avg: 21.05%
43
43th pctile
Total Loans
Current: $622.3M · Tier avg: $975.5M
14
14th pctile
Efficiency Ratio
Current: 76.52% · Tier avg: 62.63%
14
14th pctile
Return on Assets
Current: 0.58% · Tier avg: 1.16%
11
11th pctile
Net Interest Margin
Current: 2.78% · Tier avg: 3.66%
Top Weaknesses
11
11th pctile
Net Interest Margin
Current: 2.78% · Tier avg: 3.66%
14
14th pctile
Return on Assets
Current: 0.58% · Tier avg: 1.16%
14
14th pctile
Efficiency Ratio
Current: 76.52% · Tier avg: 62.63%
43
43th pctile
Total Loans
Current: $622.3M · Tier avg: $975.5M
50
50th pctile
Non-Interest-Bearing Deposit Share
Current: 20.07% · Tier avg: 21.05%
51
51th pctile
Non-Interest Income / Assets
Current: 0.52% · Tier avg: 0.74%
55
55th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
59
59th pctile
Total Deposits
Current: $991.3M · Tier avg: $1.2B
71
71th pctile
Tier 1 Capital Ratio
Current: 14.25% · Tier avg: 10.24%
76
76th pctile
Delinquency Rate
Current: 0.15% · Tier avg: 0.63%
81
81th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.50%
89
89th pctile
Loan-to-Deposit Ratio
Current: 62.77% · Tier avg: 83.06%