BlastPoint's Banking Scorecard
Citizens Bank
Community
Specialty: Commercial
TN
FDIC cert 893
Carthage, TN
1484
banks in Community tier nationally
47 in TN
View Community leaderboard (TN) →
Citizens Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 26% in Community
- + Efficiency Ratio 28.60% below tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 13% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$831.2M
+5.7% YoY
+2.4% QoQ
|
-$560.3M |
$1.4B
+2.0% YoY
|
$2.2B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
38% |
| Total Loans ? |
$446.3M
+4.0% YoY
-1.0% QoQ
|
-$529.1M |
$975.5M
+2.4% YoY
|
$1.6B
+8.0% YoY
|
$3.1B
+8.5% YoY
|
22% |
| Total Deposits ? |
$713.4M
+4.9% YoY
+1.8% QoQ
|
-$451.2M |
$1.2B
+1.7% YoY
|
$1.9B
+7.5% YoY
|
$4.7B
+6.3% YoY
|
40% |
| Return on Assets ? |
1.88%
+25.7% YoY
+0.7% QoQ
|
+0.71% |
1.16%
+17.2% YoY
|
1.12%
+10.3% YoY
|
1.12%
+15.6% YoY
|
Top 11% in tier |
| Net Interest Margin ? |
3.54%
+23.0% YoY
+1.8% QoQ
|
-0.13% |
3.66%
+9.1% YoY
|
3.88%
+7.5% YoY
|
3.75%
+7.1% YoY
|
43% |
| Efficiency Ratio ? |
34.03%
-7.7% YoY
+12.8% QoQ
|
-28.60% |
62.63%
-5.3% YoY
|
65.37%
-3.6% YoY
|
65.09%
-5.1% YoY
|
Top 2% in tier |
| Delinquency Rate ? |
0.51%
+19.3% YoY
+0.6% QoQ
|
-0.11% |
0.63%
+18.3% YoY
|
0.47%
-3.0% YoY
|
0.66%
+20.3% YoY
|
46% |
| Loan-to-Deposit Ratio ? |
62.56%
-0.9% YoY
-2.7% QoQ
|
-20.50% |
83.06%
+0.3% YoY
|
80.28%
+1.8% YoY
|
78.04%
+0.7% YoY
|
Bottom 11% in tier |
| Non-Interest-Bearing Deposit Share ? |
22.02%
+6.4% YoY
+7.9% QoQ
|
+0.98% |
21.05%
-0.9% YoY
|
18.56%
-3.5% YoY
|
21.79%
-1.3% YoY
|
59% |
| Nonperforming Asset Ratio ? |
0.28%
+17.3% YoY
-2.6% QoQ
|
-0.22% |
0.50%
+20.3% YoY
|
0.45%
+14.3% YoY
|
0.48%
+20.8% YoY
|
57% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
10.10%
+3.0% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.20%
-11.8% YoY
+30.4% QoQ
|
-0.54% |
0.74%
-1.3% YoY
|
0.72%
-2.8% YoY
|
0.65%
+0.6% YoY
|
Bottom 11% in tier |
Signature Analysis
Strengths (2)
Profitability Leader
growth
#98 of 371 · Top 26% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.88%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Efficiency Ratio
metric
Top 2%
in Community
Why this stands out
Current:
34.03%
(Tier avg: 62.63%, National avg: 65.09%)
Concerns (1)
Credit Risk Growth
risk
#85 of 642 · Bottom 13% 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
|
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
98
98th pctile
Efficiency Ratio
Current: 34.03% · Tier avg: 62.63%
89
89th pctile
Return on Assets
Current: 1.88% · Tier avg: 1.16%
59
59th pctile
Non-Interest-Bearing Deposit Share
Current: 22.02% · Tier avg: 21.05%
57
57th pctile
Nonperforming Asset Ratio
Current: 0.28% · Tier avg: 0.50%
46
46th pctile
Delinquency Rate
Current: 0.51% · Tier avg: 0.63%
43
43th pctile
Net Interest Margin
Current: 3.54% · Tier avg: 3.66%
40
40th pctile
Total Deposits
Current: $713.4M · Tier avg: $1.2B
38
38th pctile
Total Assets
Current: $831.2M · Tier avg: $1.4B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
22
22th pctile
Total Loans
Current: $446.3M · Tier avg: $975.5M
11
11th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.74%
11
11th pctile
Loan-to-Deposit Ratio
Current: 62.56% · Tier avg: 83.06%
Top Weaknesses
11
11th pctile
Loan-to-Deposit Ratio
Current: 62.56% · Tier avg: 83.06%
11
11th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.74%
22
22th pctile
Total Loans
Current: $446.3M · Tier avg: $975.5M
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
38
38th pctile
Total Assets
Current: $831.2M · Tier avg: $1.4B
40
40th pctile
Total Deposits
Current: $713.4M · Tier avg: $1.2B
43
43th pctile
Net Interest Margin
Current: 3.54% · Tier avg: 3.66%
46
46th pctile
Delinquency Rate
Current: 0.51% · Tier avg: 0.63%
57
57th pctile
Nonperforming Asset Ratio
Current: 0.28% · Tier avg: 0.50%
59
59th pctile
Non-Interest-Bearing Deposit Share
Current: 22.02% · Tier avg: 21.05%
89
89th pctile
Return on Assets
Current: 1.88% · Tier avg: 1.16%
98
98th pctile
Efficiency Ratio
Current: 34.03% · Tier avg: 62.63%