BlastPoint's Banking Scorecard
Citizens Bank Minnesota
Community
Specialty: Agricultural
MN
FDIC cert 8200
New Ulm, MN
1484
banks in Community tier nationally
45 in MN
View Community leaderboard (MN) →
Citizens Bank Minnesota has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.60% below tier
- + Nonperforming Asset Ratio 0.48% below tier
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 15.96% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$596.2M
+4.5% YoY
-0.6% QoQ
|
-$795.2M |
$1.4B
+2.0% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 14% in tier |
| Total Loans ? |
$405.5M
+3.7% YoY
+1.4% QoQ
|
-$570.0M |
$975.5M
+2.4% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
15% |
| Total Deposits ? |
$509.6M
+5.8% YoY
+1.4% QoQ
|
-$655.0M |
$1.2B
+1.7% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
Bottom 14% in tier |
| Return on Assets ? |
0.50%
+68.4% YoY
+4.2% QoQ
|
-0.66% |
1.16%
+17.2% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
Bottom 11% in tier |
| Net Interest Margin ? |
2.83%
+12.1% YoY
+2.1% QoQ
|
-0.83% |
3.66%
+9.1% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 12% in tier |
| Efficiency Ratio ? |
75.08%
-7.7% YoY
-0.0% QoQ
|
+12.45% |
62.63%
-5.3% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
17% |
| Delinquency Rate ? |
0.02%
-75.1% YoY
|
-0.60% |
0.63%
+18.3% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
Top 9% in tier |
| Loan-to-Deposit Ratio ? |
79.57%
-2.0% YoY
-0.0% QoQ
|
-3.50% |
83.06%
+0.3% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
63% |
| Non-Interest-Bearing Deposit Share ? |
5.09%
+6.8% YoY
+0.5% QoQ
|
-15.96% |
21.05%
-0.9% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
Bottom 4% in tier |
| Nonperforming Asset Ratio ? |
0.02%
-75.2% YoY
-51.5% QoQ
|
-0.48% |
0.50%
+20.3% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
Top 8% in tier |
| Tier 1 Capital Ratio ? |
11.26%
+0.8% YoY
-1.0% QoQ
|
+1.02% |
10.24%
-0.6% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
39% |
| Non-Interest Income / Assets ? |
0.45%
-8.1% YoY
+42.6% QoQ
|
-0.29% |
0.74%
-1.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
42% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 9%
in Community
Why this stands out
Current:
0.02%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 8%
in Community
Why this stands out
Current:
0.02%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 4%
in Community
Why this stands out
Current:
5.09%
(Tier avg: 21.05%, National avg: 21.79%)
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
92
92th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.50%
91
91th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.63%
63
63th pctile
Loan-to-Deposit Ratio
Current: 79.57% · Tier avg: 83.06%
42
42th pctile
Non-Interest Income / Assets
Current: 0.45% · Tier avg: 0.74%
39
39th pctile
Tier 1 Capital Ratio
Current: 11.26% · Tier avg: 10.24%
17
17th pctile
Efficiency Ratio
Current: 75.08% · Tier avg: 62.63%
15
15th pctile
Total Loans
Current: $405.5M · Tier avg: $975.5M
14
14th pctile
Total Deposits
Current: $509.6M · Tier avg: $1.2B
14
14th pctile
Total Assets
Current: $596.2M · Tier avg: $1.4B
12
12th pctile
Net Interest Margin
Current: 2.83% · Tier avg: 3.66%
11
11th pctile
Return on Assets
Current: 0.50% · Tier avg: 1.16%
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 5.09% · Tier avg: 21.05%
Top Weaknesses
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 5.09% · Tier avg: 21.05%
11
11th pctile
Return on Assets
Current: 0.50% · Tier avg: 1.16%
12
12th pctile
Net Interest Margin
Current: 2.83% · Tier avg: 3.66%
14
14th pctile
Total Assets
Current: $596.2M · Tier avg: $1.4B
14
14th pctile
Total Deposits
Current: $509.6M · Tier avg: $1.2B
15
15th pctile
Total Loans
Current: $405.5M · Tier avg: $975.5M
17
17th pctile
Efficiency Ratio
Current: 75.08% · Tier avg: 62.63%
39
39th pctile
Tier 1 Capital Ratio
Current: 11.26% · Tier avg: 10.24%
42
42th pctile
Non-Interest Income / Assets
Current: 0.45% · Tier avg: 0.74%
63
63th pctile
Loan-to-Deposit Ratio
Current: 79.57% · Tier avg: 83.06%
91
91th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.63%
92
92th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.50%