BlastPoint's Banking Scorecard
Citizens State Bank
Micro
Specialty: Commercial
WI
FDIC cert 6194
Designations: ✓ Community bank
Hudson, WI
2498
banks in Micro tier nationally
88 in WI
View Micro leaderboard (WI) →
Citizens State Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 25.29% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$477.7M
+5.5% YoY
+1.6% QoQ
|
+$260.3M |
$217.5M
+2.3% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
Top 3% in tier |
| Total Loans ? |
$400.1M
+7.6% YoY
+3.3% QoQ
|
+$260.9M |
$139.2M
+2.8% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
Top 1% in tier |
| Total Deposits ? |
$400.8M
+8.3% YoY
-0.7% QoQ
|
+$217.2M |
$183.7M
+1.8% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
Top 3% in tier |
| Return on Assets ? |
1.06%
+15.6% YoY
+3.1% QoQ
|
-0.02% |
1.08%
+14.7% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
50% |
| Net Interest Margin ? |
3.66%
+12.0% YoY
+1.2% QoQ
|
-0.19% |
3.85%
+6.6% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
42% |
| Efficiency Ratio ? |
59.96%
-4.4% YoY
-1.3% QoQ
|
-7.77% |
67.73%
-4.8% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
67% |
| Delinquency Rate ? |
0.27%
-59.9% YoY
-18.8% QoQ
|
-0.37% |
0.64%
+24.4% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
57% |
| Loan-to-Deposit Ratio ? |
99.82%
-0.7% YoY
+4.1% QoQ
|
+25.29% |
74.53%
+0.5% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
Bottom 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
13.27%
-7.4% YoY
+1.2% QoQ
|
-9.12% |
22.39%
-1.3% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
18% |
| Nonperforming Asset Ratio ? |
0.22%
-59.1% YoY
-34.7% QoQ
|
-0.23% |
0.45%
+25.1% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
55% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.24%
-2.5% YoY
+30.8% QoQ
|
-0.32% |
0.56%
+0.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
30% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 9%
in Micro
Why this stands out
Current:
99.82%
(Tier avg: 74.53%, National avg: 78.04%)
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
99
99th pctile
Total Loans
Current: $400.1M · Tier avg: $139.2M
97
97th pctile
Total Assets
Current: $477.7M · Tier avg: $217.5M
97
97th pctile
Total Deposits
Current: $400.8M · Tier avg: $183.7M
67
67th pctile
Efficiency Ratio
Current: 59.96% · Tier avg: 67.73%
57
57th pctile
Delinquency Rate
Current: 0.27% · Tier avg: 0.64%
55
55th pctile
Nonperforming Asset Ratio
Current: 0.22% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
50
50th pctile
Return on Assets
Current: 1.06% · Tier avg: 1.08%
42
42th pctile
Net Interest Margin
Current: 3.66% · Tier avg: 3.85%
30
30th pctile
Non-Interest Income / Assets
Current: 0.24% · Tier avg: 0.56%
18
18th pctile
Non-Interest-Bearing Deposit Share
Current: 13.27% · Tier avg: 22.39%
9
9th pctile
Loan-to-Deposit Ratio
Current: 99.82% · Tier avg: 74.53%
Top Weaknesses
9
9th pctile
Loan-to-Deposit Ratio
Current: 99.82% · Tier avg: 74.53%
18
18th pctile
Non-Interest-Bearing Deposit Share
Current: 13.27% · Tier avg: 22.39%
30
30th pctile
Non-Interest Income / Assets
Current: 0.24% · Tier avg: 0.56%
42
42th pctile
Net Interest Margin
Current: 3.66% · Tier avg: 3.85%
50
50th pctile
Return on Assets
Current: 1.06% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
55
55th pctile
Nonperforming Asset Ratio
Current: 0.22% · Tier avg: 0.45%
57
57th pctile
Delinquency Rate
Current: 0.27% · Tier avg: 0.64%
67
67th pctile
Efficiency Ratio
Current: 59.96% · Tier avg: 67.73%
97
97th pctile
Total Deposits
Current: $400.8M · Tier avg: $183.7M
97
97th pctile
Total Assets
Current: $477.7M · Tier avg: $217.5M
99
99th pctile
Total Loans
Current: $400.1M · Tier avg: $139.2M