BlastPoint's Banking Scorecard
Citizens Bank
Community
Specialty: Commercial
IN
FDIC cert 9647
Mooresville, IN
1484
banks in Community tier nationally
29 in IN
View Community leaderboard (IN) →
Citizens Bank shows strong momentum with 2 strengths and 8.2% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 45% in Community
- + Nonperforming Asset Ratio 0.48% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$696.3M
+8.2% YoY
-0.3% QoQ
|
-$695.1M |
$1.4B
+2.0% YoY
|
$2.4B
+12.3% YoY
|
$5.9B
+6.5% YoY
|
27% |
| Total Loans ? |
$454.1M
+5.8% YoY
+1.5% QoQ
|
-$521.4M |
$975.5M
+2.4% YoY
|
$1.7B
+13.4% YoY
|
$3.1B
+8.5% YoY
|
23% |
| Total Deposits ? |
$627.4M
+7.4% YoY
-0.7% QoQ
|
-$537.3M |
$1.2B
+1.7% YoY
|
$1.9B
+12.7% YoY
|
$4.7B
+6.3% YoY
|
31% |
| Return on Assets ? |
1.01%
+72.6% YoY
-1.1% QoQ
|
-0.15% |
1.16%
+17.2% YoY
|
1.01%
+19.7% YoY
|
1.12%
+15.6% YoY
|
40% |
| Net Interest Margin ? |
3.44%
+12.1% YoY
+0.6% QoQ
|
-0.23% |
3.66%
+9.1% YoY
|
3.50%
+10.2% YoY
|
3.75%
+7.1% YoY
|
39% |
| Efficiency Ratio ? |
69.33%
-15.3% YoY
+0.1% QoQ
|
+6.70% |
62.63%
-5.3% YoY
|
67.50%
-4.6% YoY
|
65.09%
-5.1% YoY
|
28% |
| Delinquency Rate ? |
0.03%
-10.2% YoY
+21.8% QoQ
|
-0.60% |
0.63%
+18.3% YoY
|
0.77%
+9.8% YoY
|
0.66%
+20.3% YoY
|
Top 9% in tier |
| Loan-to-Deposit Ratio ? |
72.38%
-1.5% YoY
+2.2% QoQ
|
-10.68% |
83.06%
+0.3% YoY
|
82.11%
+1.7% YoY
|
78.04%
+0.7% YoY
|
23% |
| Non-Interest-Bearing Deposit Share ? |
20.59%
-4.7% YoY
+0.8% QoQ
|
-0.45% |
21.05%
-0.9% YoY
|
16.86%
-1.9% YoY
|
21.79%
-1.3% YoY
|
53% |
| Nonperforming Asset Ratio ? |
0.02%
-12.2% YoY
+24.0% QoQ
|
-0.48% |
0.50%
+20.3% YoY
|
0.58%
+19.3% YoY
|
0.48%
+20.8% YoY
|
Top 8% in tier |
| Tier 1 Capital Ratio ? |
12.73%
+1.2% YoY
-2.4% QoQ
|
+2.49% |
10.24%
-0.6% YoY
|
9.17%
+0.4% YoY
|
9.75%
-1.9% YoY
|
55% |
| Non-Interest Income / Assets ? |
0.69%
+13.7% YoY
+26.3% QoQ
|
-0.05% |
0.74%
-1.3% YoY
|
0.62%
-11.1% YoY
|
0.65%
+0.6% YoY
|
70% |
Signature Analysis
Strengths (2)
Credit Quality Leader
growth
#167 of 371 · Top 45% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.03%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Nonperforming Asset Ratio
metric
Top 8%
in Community
Why this stands out
Current:
0.02%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (0)
No concerns identified
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: 0.03% · Tier avg: 0.63%
70
70th pctile
Non-Interest Income / Assets
Current: 0.69% · Tier avg: 0.74%
55
55th pctile
Tier 1 Capital Ratio
Current: 12.73% · Tier avg: 10.24%
53
53th pctile
Non-Interest-Bearing Deposit Share
Current: 20.59% · Tier avg: 21.05%
40
40th pctile
Return on Assets
Current: 1.01% · Tier avg: 1.16%
39
39th pctile
Net Interest Margin
Current: 3.44% · Tier avg: 3.66%
31
31th pctile
Total Deposits
Current: $627.4M · Tier avg: $1.2B
28
28th pctile
Efficiency Ratio
Current: 69.33% · Tier avg: 62.63%
27
27th pctile
Total Assets
Current: $696.3M · Tier avg: $1.4B
23
23th pctile
Loan-to-Deposit Ratio
Current: 72.38% · Tier avg: 83.06%
23
23th pctile
Total Loans
Current: $454.1M · Tier avg: $975.5M
Top Weaknesses
23
23th pctile
Total Loans
Current: $454.1M · Tier avg: $975.5M
23
23th pctile
Loan-to-Deposit Ratio
Current: 72.38% · Tier avg: 83.06%
27
27th pctile
Total Assets
Current: $696.3M · Tier avg: $1.4B
28
28th pctile
Efficiency Ratio
Current: 69.33% · Tier avg: 62.63%
31
31th pctile
Total Deposits
Current: $627.4M · Tier avg: $1.2B
39
39th pctile
Net Interest Margin
Current: 3.44% · Tier avg: 3.66%
40
40th pctile
Return on Assets
Current: 1.01% · Tier avg: 1.16%
53
53th pctile
Non-Interest-Bearing Deposit Share
Current: 20.59% · Tier avg: 21.05%
55
55th pctile
Tier 1 Capital Ratio
Current: 12.73% · Tier avg: 10.24%
70
70th pctile
Non-Interest Income / Assets
Current: 0.69% · Tier avg: 0.74%
91
91th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.63%
92
92th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.50%