BlastPoint's Banking Scorecard
Citizens State Bank and Trust Company
Micro
Specialty: Agricultural
KS
FDIC cert 5830
Designations: ✓ Community bank
Hiawatha, KS
2498
banks in Micro tier nationally
145 in KS
View Micro leaderboard (KS) →
Citizens State Bank and Trust Company shows strong momentum with 4 strengths and 9.2% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.23% above tier
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
- + Tier 1 Capital Ratio 20.15% 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 (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$104.7M
+9.2% YoY
+4.9% QoQ
|
-$112.8M |
$217.5M
+2.3% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
24% |
| Total Loans ? |
$64.0M
+4.7% YoY
-0.0% QoQ
|
-$75.2M |
$139.2M
+2.8% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
26% |
| Total Deposits ? |
$79.0M
+6.0% YoY
+5.4% QoQ
|
-$104.7M |
$183.7M
+1.8% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
21% |
| Return on Assets ? |
2.32%
+18.5% YoY
+5.9% QoQ
|
+1.23% |
1.08%
+14.7% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
Top 5% in tier |
| Net Interest Margin ? |
4.66%
+6.5% YoY
-0.5% QoQ
|
+0.81% |
3.85%
+6.6% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
84% |
| Efficiency Ratio ? |
54.90%
-8.5% YoY
-3.6% QoQ
|
-12.82% |
67.73%
-4.8% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
81% |
| Delinquency Rate ? |
0.00%
-100.0% QoQ
|
-0.64% |
0.64%
+24.4% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
81.04%
-1.2% YoY
-5.2% QoQ
|
+6.51% |
74.53%
+0.5% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
40% |
| Non-Interest-Bearing Deposit Share ? |
21.29%
-5.0% YoY
-3.6% QoQ
|
-1.11% |
22.39%
-1.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
48% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% QoQ
|
-0.45% |
0.45%
+25.1% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
29.01%
-4.8% YoY
+1.1% QoQ
|
+20.15% |
8.85%
-3.4% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
Top 4% in tier |
| Non-Interest Income / Assets ? |
0.86%
-8.2% YoY
+44.9% QoQ
|
+0.30% |
0.56%
+0.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
Top 11% in tier |
Signature Analysis
Strengths (4)
Return on Assets
metric
Top 5%
in Micro
Why this stands out
Current:
2.32%
(Tier avg: 1.08%, National avg: 1.12%)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Tier 1 Capital Ratio
metric
Top 4%
in Micro
Why this stands out
Current:
29.01%
(Tier avg: 8.85%, National avg: 9.75%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
96
96th pctile
Tier 1 Capital Ratio
Current: 29.01% · Tier avg: 8.85%
95
95th pctile
Return on Assets
Current: 2.32% · Tier avg: 1.08%
89
89th pctile
Non-Interest Income / Assets
Current: 0.86% · Tier avg: 0.56%
84
84th pctile
Net Interest Margin
Current: 4.66% · Tier avg: 3.85%
81
81th pctile
Efficiency Ratio
Current: 54.90% · Tier avg: 67.73%
48
48th pctile
Non-Interest-Bearing Deposit Share
Current: 21.29% · Tier avg: 22.39%
40
40th pctile
Loan-to-Deposit Ratio
Current: 81.04% · Tier avg: 74.53%
26
26th pctile
Total Loans
Current: $64.0M · Tier avg: $139.2M
24
24th pctile
Total Assets
Current: $104.7M · Tier avg: $217.5M
21
21th pctile
Total Deposits
Current: $79.0M · Tier avg: $183.7M
Top Weaknesses
21
21th pctile
Total Deposits
Current: $79.0M · Tier avg: $183.7M
24
24th pctile
Total Assets
Current: $104.7M · Tier avg: $217.5M
26
26th pctile
Total Loans
Current: $64.0M · Tier avg: $139.2M
40
40th pctile
Loan-to-Deposit Ratio
Current: 81.04% · Tier avg: 74.53%
48
48th pctile
Non-Interest-Bearing Deposit Share
Current: 21.29% · Tier avg: 22.39%
81
81th pctile
Efficiency Ratio
Current: 54.90% · Tier avg: 67.73%
84
84th pctile
Net Interest Margin
Current: 4.66% · Tier avg: 3.85%
89
89th pctile
Non-Interest Income / Assets
Current: 0.86% · Tier avg: 0.56%
95
95th pctile
Return on Assets
Current: 2.32% · Tier avg: 1.08%
96
96th pctile
Tier 1 Capital Ratio
Current: 29.01% · Tier avg: 8.85%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%