BlastPoint's Banking Scorecard
Citizens State Bank
Community
Specialty: Agricultural
IA
FDIC cert 9047
Monticello, IA
1484
banks in Community tier nationally
58 in IA
View Community leaderboard (IA) →
Citizens State Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.08% below tier
- - Loan-to-Deposit Ratio 23.06% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$596.3M
+8.4% YoY
+4.5% QoQ
|
-$795.1M |
$1.4B
+2.0% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
Bottom 14% in tier |
| Total Loans ? |
$326.4M
+13.5% YoY
+8.3% QoQ
|
-$649.0M |
$975.5M
+2.4% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 6% in tier |
| Total Deposits ? |
$544.0M
+8.3% YoY
+5.1% QoQ
|
-$620.6M |
$1.2B
+1.7% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
20% |
| Return on Assets ? |
0.70%
+65.1% YoY
+20.7% QoQ
|
-0.46% |
1.16%
+17.2% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
20% |
| Net Interest Margin ? |
2.58%
+14.1% YoY
+3.2% QoQ
|
-1.08% |
3.66%
+9.1% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 7% in tier |
| Efficiency Ratio ? |
66.31%
-13.2% YoY
-3.7% QoQ
|
+3.68% |
62.63%
-5.3% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
37% |
| Delinquency Rate ? |
1.53%
-9.9% QoQ
|
+0.90% |
0.63%
+18.3% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
15% |
| Loan-to-Deposit Ratio ? |
60.01%
+4.8% YoY
+3.1% QoQ
|
-23.06% |
83.06%
+0.3% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Bottom 8% in tier |
| Non-Interest-Bearing Deposit Share ? |
16.12%
+1.3% YoY
+9.4% QoQ
|
-4.93% |
21.05%
-0.9% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
31% |
| Nonperforming Asset Ratio ? |
0.87%
-3.3% QoQ
|
+0.37% |
0.50%
+20.3% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
23% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.68%
-7.3% YoY
+33.1% QoQ
|
-0.06% |
0.74%
-1.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
68% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Net Interest Margin
metric
Bottom 7%
in Community
Why this stands out
Current:
2.58%
(Tier avg: 3.66%, National avg: 3.75%)
Loan-to-Deposit Ratio
metric
Bottom 8%
in Community
Why this stands out
Current:
60.01%
(Tier avg: 83.06%, National avg: 78.04%)
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
68
68th pctile
Non-Interest Income / Assets
Current: 0.68% · Tier avg: 0.74%
37
37th pctile
Efficiency Ratio
Current: 66.31% · Tier avg: 62.63%
31
31th pctile
Non-Interest-Bearing Deposit Share
Current: 16.12% · Tier avg: 21.05%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
23
23th pctile
Nonperforming Asset Ratio
Current: 0.87% · Tier avg: 0.50%
20
20th pctile
Total Deposits
Current: $544.0M · Tier avg: $1.2B
20
20th pctile
Return on Assets
Current: 0.70% · Tier avg: 1.16%
15
15th pctile
Delinquency Rate
Current: 1.53% · Tier avg: 0.63%
14
14th pctile
Total Assets
Current: $596.3M · Tier avg: $1.4B
8
8th pctile
Loan-to-Deposit Ratio
Current: 60.01% · Tier avg: 83.06%
7
7th pctile
Net Interest Margin
Current: 2.58% · Tier avg: 3.66%
6
6th pctile
Total Loans
Current: $326.4M · Tier avg: $975.5M
Top Weaknesses
6
6th pctile
Total Loans
Current: $326.4M · Tier avg: $975.5M
7
7th pctile
Net Interest Margin
Current: 2.58% · Tier avg: 3.66%
8
8th pctile
Loan-to-Deposit Ratio
Current: 60.01% · Tier avg: 83.06%
14
14th pctile
Total Assets
Current: $596.3M · Tier avg: $1.4B
15
15th pctile
Delinquency Rate
Current: 1.53% · Tier avg: 0.63%
20
20th pctile
Return on Assets
Current: 0.70% · Tier avg: 1.16%
20
20th pctile
Total Deposits
Current: $544.0M · Tier avg: $1.2B
23
23th pctile
Nonperforming Asset Ratio
Current: 0.87% · Tier avg: 0.50%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
31
31th pctile
Non-Interest-Bearing Deposit Share
Current: 16.12% · Tier avg: 21.05%
37
37th pctile
Efficiency Ratio
Current: 66.31% · Tier avg: 62.63%
68
68th pctile
Non-Interest Income / Assets
Current: 0.68% · Tier avg: 0.74%