BlastPoint's Banking Scorecard
Citizens' Bank & Trust Co.
Community
Specialty: Commercial
AR
FDIC cert 8738
Van Buren, AR
1484
banks in Community tier nationally
33 in AR
View Community leaderboard (AR) →
Citizens' Bank & Trust Co. 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
- - Capital Thin: Bottom 38% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$551.7M
+3.6% YoY
+2.3% QoQ
|
-$839.8M |
$1.4B
+2.0% YoY
|
$2.3B
+2.4% YoY
|
$5.9B
+6.5% YoY
|
Bottom 7% in tier |
| Total Loans ? |
$307.7M
+2.1% YoY
-0.5% QoQ
|
-$667.8M |
$975.5M
+2.4% YoY
|
$1.6B
+6.2% YoY
|
$3.1B
+8.5% YoY
|
Bottom 5% in tier |
| Total Deposits ? |
$488.8M
+2.6% YoY
+2.7% QoQ
|
-$675.9M |
$1.2B
+1.7% YoY
|
$1.9B
+3.0% YoY
|
$4.7B
+6.3% YoY
|
Bottom 11% in tier |
| Return on Assets ? |
1.46%
+8.4% YoY
+1.8% QoQ
|
+0.30% |
1.16%
+17.2% YoY
|
1.19%
+9.0% YoY
|
1.12%
+15.6% YoY
|
72% |
| Net Interest Margin ? |
3.78%
+8.3% YoY
+0.9% QoQ
|
+0.11% |
3.66%
+9.1% YoY
|
4.00%
+8.5% YoY
|
3.75%
+7.1% YoY
|
59% |
| Efficiency Ratio ? |
50.69%
-3.5% YoY
-1.2% QoQ
|
-11.95% |
62.63%
-5.3% YoY
|
63.04%
-5.8% YoY
|
65.09%
-5.1% YoY
|
82% |
| Delinquency Rate ? |
0.24%
-42.2% YoY
-33.6% QoQ
|
-0.39% |
0.63%
+18.3% YoY
|
0.91%
+44.6% YoY
|
0.66%
+20.3% YoY
|
67% |
| Loan-to-Deposit Ratio ? |
62.96%
-0.5% YoY
-3.1% QoQ
|
-20.10% |
83.06%
+0.3% YoY
|
80.90%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Bottom 12% in tier |
| Non-Interest-Bearing Deposit Share ? |
22.66%
-1.3% YoY
-1.1% QoQ
|
+1.61% |
21.05%
-0.9% YoY
|
19.14%
-0.5% YoY
|
21.79%
-1.3% YoY
|
61% |
| Nonperforming Asset Ratio ? |
0.14%
-64.2% YoY
-35.4% QoQ
|
-0.36% |
0.50%
+20.3% YoY
|
0.66%
+38.2% YoY
|
0.48%
+20.8% YoY
|
73% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
7.07%
-13.2% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.50%
-6.2% YoY
+30.4% QoQ
|
-0.24% |
0.74%
-1.3% YoY
|
0.76%
-21.3% YoY
|
0.65%
+0.6% YoY
|
48% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Capital Thin
risk
#165 of 432 · Bottom 38% 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 declining
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
82
82th pctile
Efficiency Ratio
Current: 50.69% · Tier avg: 62.63%
73
73th pctile
Nonperforming Asset Ratio
Current: 0.14% · Tier avg: 0.50%
72
72th pctile
Return on Assets
Current: 1.46% · Tier avg: 1.16%
67
67th pctile
Delinquency Rate
Current: 0.24% · Tier avg: 0.63%
61
61th pctile
Non-Interest-Bearing Deposit Share
Current: 22.66% · Tier avg: 21.05%
59
59th pctile
Net Interest Margin
Current: 3.78% · Tier avg: 3.66%
48
48th pctile
Non-Interest Income / Assets
Current: 0.50% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
12
12th pctile
Loan-to-Deposit Ratio
Current: 62.96% · Tier avg: 83.06%
11
11th pctile
Total Deposits
Current: $488.8M · Tier avg: $1.2B
7
7th pctile
Total Assets
Current: $551.7M · Tier avg: $1.4B
5
5th pctile
Total Loans
Current: $307.7M · Tier avg: $975.5M
Top Weaknesses
5
5th pctile
Total Loans
Current: $307.7M · Tier avg: $975.5M
7
7th pctile
Total Assets
Current: $551.7M · Tier avg: $1.4B
11
11th pctile
Total Deposits
Current: $488.8M · Tier avg: $1.2B
12
12th pctile
Loan-to-Deposit Ratio
Current: 62.96% · Tier avg: 83.06%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
48
48th pctile
Non-Interest Income / Assets
Current: 0.50% · Tier avg: 0.74%
59
59th pctile
Net Interest Margin
Current: 3.78% · Tier avg: 3.66%
61
61th pctile
Non-Interest-Bearing Deposit Share
Current: 22.66% · Tier avg: 21.05%
67
67th pctile
Delinquency Rate
Current: 0.24% · Tier avg: 0.63%
72
72th pctile
Return on Assets
Current: 1.46% · Tier avg: 1.16%
73
73th pctile
Nonperforming Asset Ratio
Current: 0.14% · Tier avg: 0.50%
82
82th pctile
Efficiency Ratio
Current: 50.69% · Tier avg: 62.63%