BlastPoint's Banking Scorecard
Citizens State Bank
Community
Specialty: Commercial
MI
FDIC cert 8183
Royal Oak, MI
1484
banks in Community tier nationally
28 in MI
View Community leaderboard (MI) →
Citizens State Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 72% in Community
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 72% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$526.6M
+60.9% YoY
+12.3% QoQ
|
-$864.8M |
$1.4B
+2.0% YoY
|
$973.2M
+11.1% YoY
|
$5.9B
+6.5% YoY
|
Bottom 4% in tier |
| Total Loans ? |
$377.6M
+81.0% YoY
+11.4% QoQ
|
-$597.9M |
$975.5M
+2.4% YoY
|
$732.6M
+14.8% YoY
|
$3.1B
+8.5% YoY
|
Bottom 12% in tier |
| Total Deposits ? |
$481.4M
+62.5% YoY
+13.0% QoQ
|
-$683.2M |
$1.2B
+1.7% YoY
|
$781.1M
+10.4% YoY
|
$4.7B
+6.3% YoY
|
Bottom 10% in tier |
| Return on Assets ? |
1.37%
-18.7% YoY
-0.3% QoQ
|
+0.21% |
1.16%
+17.2% YoY
|
1.09%
+9.6% YoY
|
1.12%
+15.6% YoY
|
67% |
| Net Interest Margin ? |
4.66%
-9.3% YoY
-5.1% QoQ
|
+0.99% |
3.66%
+9.1% YoY
|
3.97%
+7.8% YoY
|
3.75%
+7.1% YoY
|
Top 10% in tier |
| Efficiency Ratio ? |
48.85%
+4.7% YoY
+0.9% QoQ
|
-13.78% |
62.63%
-5.3% YoY
|
66.94%
-3.1% YoY
|
65.09%
-5.1% YoY
|
Top 14% in tier |
| Delinquency Rate ? |
0.80%
+82.8% YoY
+496.4% QoQ
|
+0.17% |
0.63%
+18.3% YoY
|
0.80%
+62.9% YoY
|
0.66%
+20.3% YoY
|
32% |
| Loan-to-Deposit Ratio ? |
78.44%
+11.4% YoY
-1.4% QoQ
|
-4.62% |
83.06%
+0.3% YoY
|
78.71%
+2.4% YoY
|
78.04%
+0.7% YoY
|
35% |
| Non-Interest-Bearing Deposit Share ? |
28.55%
-23.3% YoY
-4.1% QoQ
|
+7.50% |
21.05%
-0.9% YoY
|
25.17%
-2.2% YoY
|
21.79%
-1.3% YoY
|
81% |
| Nonperforming Asset Ratio ? |
0.70%
-53.2% YoY
-26.1% QoQ
|
+0.20% |
0.50%
+20.3% YoY
|
0.57%
+48.1% YoY
|
0.48%
+20.8% YoY
|
29% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
9.37%
-0.1% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.58%
-23.7% YoY
+19.0% QoQ
|
-0.16% |
0.74%
-1.3% YoY
|
0.78%
-0.1% YoY
|
0.65%
+0.6% YoY
|
58% |
Signature Analysis
Strengths (1)
Deposit Franchise
growth
#109 of 150 · Top 72% 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:
28.55%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
4.66%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
Concerns (1)
Margin Compression
decline
#87 of 120 · Bottom 72% 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:
1.37%
(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
90
90th pctile
Net Interest Margin
Current: 4.66% · Tier avg: 3.66%
86
86th pctile
Efficiency Ratio
Current: 48.85% · Tier avg: 62.63%
81
81th pctile
Non-Interest-Bearing Deposit Share
Current: 28.55% · Tier avg: 21.05%
67
67th pctile
Return on Assets
Current: 1.37% · Tier avg: 1.16%
58
58th pctile
Non-Interest Income / Assets
Current: 0.58% · Tier avg: 0.74%
35
35th pctile
Loan-to-Deposit Ratio
Current: 78.44% · Tier avg: 83.06%
32
32th pctile
Delinquency Rate
Current: 0.80% · Tier avg: 0.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
29
29th pctile
Nonperforming Asset Ratio
Current: 0.70% · Tier avg: 0.50%
12
12th pctile
Total Loans
Current: $377.6M · Tier avg: $975.5M
10
10th pctile
Total Deposits
Current: $481.4M · Tier avg: $1.2B
4
4th pctile
Total Assets
Current: $526.6M · Tier avg: $1.4B
Top Weaknesses
4
4th pctile
Total Assets
Current: $526.6M · Tier avg: $1.4B
10
10th pctile
Total Deposits
Current: $481.4M · Tier avg: $1.2B
12
12th pctile
Total Loans
Current: $377.6M · Tier avg: $975.5M
29
29th pctile
Nonperforming Asset Ratio
Current: 0.70% · Tier avg: 0.50%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
32
32th pctile
Delinquency Rate
Current: 0.80% · Tier avg: 0.63%
35
35th pctile
Loan-to-Deposit Ratio
Current: 78.44% · Tier avg: 83.06%
58
58th pctile
Non-Interest Income / Assets
Current: 0.58% · Tier avg: 0.74%
67
67th pctile
Return on Assets
Current: 1.37% · Tier avg: 1.16%
81
81th pctile
Non-Interest-Bearing Deposit Share
Current: 28.55% · Tier avg: 21.05%
86
86th pctile
Efficiency Ratio
Current: 48.85% · Tier avg: 62.63%
90
90th pctile
Net Interest Margin
Current: 4.66% · Tier avg: 3.66%