BlastPoint's Banking Scorecard
Citizens Trust Bank
Community
Specialty: Commercial
GA
FDIC cert 8033
Atlanta, GA
1484
banks in Community tier nationally
36 in GA
View Community leaderboard (GA) →
Citizens Trust Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 29% in Community
- + Loan-to-Deposit Ratio 27.98% below tier
- + Tier 1 Capital Ratio 13.79% above tier
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 4% in Community
- - Margin Compression: Bottom 39% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$795.5M
+0.3% YoY
+3.7% QoQ
|
-$595.9M |
$1.4B
+2.0% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
35% |
| Total Loans ? |
$375.9M
-6.8% YoY
-0.5% QoQ
|
-$599.6M |
$975.5M
+2.4% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
Bottom 11% in tier |
| Total Deposits ? |
$682.5M
-1.9% YoY
+3.6% QoQ
|
-$482.1M |
$1.2B
+1.7% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
36% |
| Return on Assets ? |
1.80%
-14.9% YoY
+0.3% QoQ
|
+0.63% |
1.16%
+17.2% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Top 14% in tier |
| Net Interest Margin ? |
4.41%
-8.7% YoY
-0.4% QoQ
|
+0.75% |
3.66%
+9.1% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
85% |
| Efficiency Ratio ? |
50.56%
+9.6% YoY
-0.0% QoQ
|
-12.07% |
62.63%
-5.3% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
82% |
| Delinquency Rate ? |
0.88%
-44.8% YoY
-17.8% QoQ
|
+0.25% |
0.63%
+18.3% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
29% |
| Loan-to-Deposit Ratio ? |
55.08%
-5.1% YoY
-3.9% QoQ
|
-27.98% |
83.06%
+0.3% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
Top 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
41.72%
-10.5% YoY
+1.1% QoQ
|
+20.67% |
21.05%
-0.9% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
Top 3% in tier |
| Nonperforming Asset Ratio ? |
0.52%
-41.0% YoY
-19.0% QoQ
|
+0.02% |
0.50%
+20.3% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
37% |
| Tier 1 Capital Ratio ? |
24.03%
+19.6% YoY
+5.6% QoQ
|
+13.79% |
10.24%
-0.6% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
Top 3% in tier |
| Non-Interest Income / Assets ? |
0.65%
+9.0% YoY
+34.4% QoQ
|
-0.09% |
0.74%
-1.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
66% |
Signature Analysis
Strengths (3)
Deposit Franchise
growth
#44 of 150 · Top 29% in Community
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
41.72%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
4.41%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank improving
Loan-to-Deposit Ratio
metric
Top 6%
in Community
Why this stands out
Current:
55.08%
(Tier avg: 83.06%, National avg: 78.04%)
Tier 1 Capital Ratio
metric
Top 3%
in Community
Why this stands out
Current:
24.03%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (2)
Deposit Outflow
decline
#11 of 248 · Bottom 4% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
|
QoQ rank improving
Margin Compression
decline
#47 of 120 · Bottom 39% in Community
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
1.80%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 banks QoQ
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
97
97th pctile
Tier 1 Capital Ratio
Current: 24.03% · Tier avg: 10.24%
97
97th pctile
Non-Interest-Bearing Deposit Share
Current: 41.72% · Tier avg: 21.05%
94
94th pctile
Loan-to-Deposit Ratio
Current: 55.08% · Tier avg: 83.06%
86
86th pctile
Return on Assets
Current: 1.80% · Tier avg: 1.16%
85
85th pctile
Net Interest Margin
Current: 4.41% · Tier avg: 3.66%
82
82th pctile
Efficiency Ratio
Current: 50.56% · Tier avg: 62.63%
66
66th pctile
Non-Interest Income / Assets
Current: 0.65% · Tier avg: 0.74%
37
37th pctile
Nonperforming Asset Ratio
Current: 0.52% · Tier avg: 0.50%
36
36th pctile
Total Deposits
Current: $682.5M · Tier avg: $1.2B
35
35th pctile
Total Assets
Current: $795.5M · Tier avg: $1.4B
29
29th pctile
Delinquency Rate
Current: 0.88% · Tier avg: 0.63%
11
11th pctile
Total Loans
Current: $375.9M · Tier avg: $975.5M
Top Weaknesses
11
11th pctile
Total Loans
Current: $375.9M · Tier avg: $975.5M
29
29th pctile
Delinquency Rate
Current: 0.88% · Tier avg: 0.63%
35
35th pctile
Total Assets
Current: $795.5M · Tier avg: $1.4B
36
36th pctile
Total Deposits
Current: $682.5M · Tier avg: $1.2B
37
37th pctile
Nonperforming Asset Ratio
Current: 0.52% · Tier avg: 0.50%
66
66th pctile
Non-Interest Income / Assets
Current: 0.65% · Tier avg: 0.74%
82
82th pctile
Efficiency Ratio
Current: 50.56% · Tier avg: 62.63%
85
85th pctile
Net Interest Margin
Current: 4.41% · Tier avg: 3.66%
86
86th pctile
Return on Assets
Current: 1.80% · Tier avg: 1.16%
94
94th pctile
Loan-to-Deposit Ratio
Current: 55.08% · Tier avg: 83.06%
97
97th pctile
Non-Interest-Bearing Deposit Share
Current: 41.72% · Tier avg: 21.05%
97
97th pctile
Tier 1 Capital Ratio
Current: 24.03% · Tier avg: 10.24%