BlastPoint's Banking Scorecard
Citizens Bank and Trust Company
Community
Specialty: Other
VA
FDIC cert 823
Blackstone, VA
1484
banks in Community tier nationally
32 in VA
View Community leaderboard (VA) →
Citizens Bank and Trust Company has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 26.37% below tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 11% in Community
- - Credit Quality Pressure: Bottom 20% in Community
- - Capital Thin: Bottom 46% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$578.4M
+4.7% YoY
+1.7% QoQ
|
-$813.1M |
$1.4B
+2.0% YoY
|
$17.5B
+24.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 11% in tier |
| Total Loans ? |
$276.4M
+3.7% YoY
+1.4% QoQ
|
-$699.0M |
$975.5M
+2.4% YoY
|
$10.7B
+28.4% YoY
|
$3.1B
+8.5% YoY
|
Bottom 4% in tier |
| Total Deposits ? |
$487.6M
+3.2% YoY
+1.5% QoQ
|
-$677.0M |
$1.2B
+1.7% YoY
|
$13.8B
+21.4% YoY
|
$4.7B
+6.3% YoY
|
Bottom 11% in tier |
| Return on Assets ? |
1.80%
+9.6% YoY
-2.4% QoQ
|
+0.63% |
1.16%
+17.2% YoY
|
0.94%
+24.9% YoY
|
1.12%
+15.6% YoY
|
Top 14% in tier |
| Net Interest Margin ? |
4.31%
+7.8% YoY
+1.0% QoQ
|
+0.64% |
3.66%
+9.1% YoY
|
3.66%
+9.0% YoY
|
3.75%
+7.1% YoY
|
81% |
| Efficiency Ratio ? |
50.32%
-1.3% YoY
+2.4% QoQ
|
-12.31% |
62.63%
-5.3% YoY
|
66.70%
-6.7% YoY
|
65.09%
-5.1% YoY
|
83% |
| Delinquency Rate ? |
0.25%
+41.7% YoY
+105.2% QoQ
|
-0.37% |
0.63%
+18.3% YoY
|
0.75%
+37.7% YoY
|
0.66%
+20.3% YoY
|
65% |
| Loan-to-Deposit Ratio ? |
56.69%
+0.5% YoY
-0.2% QoQ
|
-26.37% |
83.06%
+0.3% YoY
|
79.98%
+0.8% YoY
|
78.04%
+0.7% YoY
|
Top 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
23.19%
-0.1% YoY
-5.5% QoQ
|
+2.14% |
21.05%
-0.9% YoY
|
24.23%
+0.2% YoY
|
21.79%
-1.3% YoY
|
63% |
| Nonperforming Asset Ratio ? |
0.17%
-9.8% YoY
+7.8% QoQ
|
-0.33% |
0.50%
+20.3% YoY
|
0.53%
+39.4% YoY
|
0.48%
+20.8% YoY
|
69% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
11.48%
+7.9% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.55%
-5.0% YoY
+25.3% QoQ
|
-0.19% |
0.74%
-1.3% YoY
|
0.64%
-0.2% YoY
|
0.65%
+0.6% YoY
|
56% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 6%
in Community
Why this stands out
Current:
56.69%
(Tier avg: 83.06%, National avg: 78.04%)
Concerns (3)
Credit Risk Growth
risk
#71 of 642 · Bottom 11% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
Credit Quality Pressure
risk
#166 of 808 · Bottom 20% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.25%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
Capital Thin
risk
#201 of 432 · Bottom 46% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
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
94
94th pctile
Loan-to-Deposit Ratio
Current: 56.69% · Tier avg: 83.06%
86
86th pctile
Return on Assets
Current: 1.80% · Tier avg: 1.16%
83
83th pctile
Efficiency Ratio
Current: 50.32% · Tier avg: 62.63%
81
81th pctile
Net Interest Margin
Current: 4.31% · Tier avg: 3.66%
69
69th pctile
Nonperforming Asset Ratio
Current: 0.17% · Tier avg: 0.50%
65
65th pctile
Delinquency Rate
Current: 0.25% · Tier avg: 0.63%
63
63th pctile
Non-Interest-Bearing Deposit Share
Current: 23.19% · Tier avg: 21.05%
56
56th pctile
Non-Interest Income / Assets
Current: 0.55% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
11
11th pctile
Total Deposits
Current: $487.6M · Tier avg: $1.2B
11
11th pctile
Total Assets
Current: $578.4M · Tier avg: $1.4B
4
4th pctile
Total Loans
Current: $276.4M · Tier avg: $975.5M
Top Weaknesses
4
4th pctile
Total Loans
Current: $276.4M · Tier avg: $975.5M
11
11th pctile
Total Assets
Current: $578.4M · Tier avg: $1.4B
11
11th pctile
Total Deposits
Current: $487.6M · Tier avg: $1.2B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
56
56th pctile
Non-Interest Income / Assets
Current: 0.55% · Tier avg: 0.74%
63
63th pctile
Non-Interest-Bearing Deposit Share
Current: 23.19% · Tier avg: 21.05%
65
65th pctile
Delinquency Rate
Current: 0.25% · Tier avg: 0.63%
69
69th pctile
Nonperforming Asset Ratio
Current: 0.17% · Tier avg: 0.50%
81
81th pctile
Net Interest Margin
Current: 4.31% · Tier avg: 3.66%
83
83th pctile
Efficiency Ratio
Current: 50.32% · Tier avg: 62.63%
86
86th pctile
Return on Assets
Current: 1.80% · Tier avg: 1.16%
94
94th pctile
Loan-to-Deposit Ratio
Current: 56.69% · Tier avg: 83.06%