BlastPoint's Banking Scorecard
Citizens Bank & Trust Co.
Micro
Specialty: Agricultural
MS
FDIC cert 9777
Designations: ✓ Community bank
Marks, MS
2498
banks in Micro tier nationally
31 in MS
View Micro leaderboard (MS) →
Citizens Bank & Trust Co. has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.73% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 5.13% above tier
- - Nonperforming Asset Ratio 3.95% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$101.2M
-2.7% YoY
+4.8% QoQ
|
-$116.3M |
$217.5M
+2.3% YoY
|
$2.2B
+10.7% YoY
|
$5.9B
+6.5% YoY
|
23% |
| Total Loans ? |
$62.2M
-3.0% YoY
-6.4% QoQ
|
-$77.0M |
$139.2M
+2.8% YoY
|
$1.5B
+12.2% YoY
|
$3.1B
+8.5% YoY
|
25% |
| Total Deposits ? |
$86.2M
-4.0% YoY
+6.2% QoQ
|
-$97.4M |
$183.7M
+1.8% YoY
|
$1.9B
+9.4% YoY
|
$4.7B
+6.3% YoY
|
24% |
| Return on Assets ? |
0.96%
-4.6% YoY
-10.4% QoQ
|
-0.12% |
1.08%
+14.7% YoY
|
1.01%
-3.5% YoY
|
1.12%
+15.6% YoY
|
43% |
| Net Interest Margin ? |
5.58%
+14.8% YoY
-1.1% QoQ
|
+1.73% |
3.85%
+6.6% YoY
|
3.89%
+5.4% YoY
|
3.75%
+7.1% YoY
|
Top 4% in tier |
| Efficiency Ratio ? |
74.55%
-0.9% YoY
+1.6% QoQ
|
+6.82% |
67.73%
-4.8% YoY
|
68.70%
-1.6% YoY
|
65.09%
-5.1% YoY
|
29% |
| Delinquency Rate ? |
5.77%
+57.2% YoY
+26.7% QoQ
|
+5.13% |
0.64%
+24.4% YoY
|
0.98%
+32.9% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
72.14%
+1.0% YoY
-11.9% QoQ
|
-2.39% |
74.53%
+0.5% YoY
|
71.82%
+2.7% YoY
|
78.04%
+0.7% YoY
|
58% |
| Non-Interest-Bearing Deposit Share ? |
32.61%
+0.3% YoY
+2.9% QoQ
|
+10.22% |
22.39%
-1.3% YoY
|
23.43%
+1.6% YoY
|
21.79%
-1.3% YoY
|
85% |
| Nonperforming Asset Ratio ? |
4.40%
+45.9% YoY
+8.8% QoQ
|
+3.95% |
0.45%
+25.1% YoY
|
0.61%
+16.2% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
17.24%
+10.3% YoY
+2.4% QoQ
|
+8.39% |
8.85%
-3.4% YoY
|
6.62%
-3.2% YoY
|
9.75%
-1.9% YoY
|
80% |
| Non-Interest Income / Assets ? |
0.68%
-29.6% YoY
+25.7% QoQ
|
+0.12% |
0.56%
+0.3% YoY
|
0.73%
-13.2% YoY
|
0.65%
+0.6% YoY
|
82% |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 4%
in Micro
Why this stands out
Current:
5.58%
(Tier avg: 3.85%, National avg: 3.75%)
Concerns (2)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
5.77%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
4.40%
(Tier avg: 0.45%, National avg: 0.48%)
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
96
96th pctile
Net Interest Margin
Current: 5.58% · Tier avg: 3.85%
85
85th pctile
Non-Interest-Bearing Deposit Share
Current: 32.61% · Tier avg: 22.39%
82
82th pctile
Non-Interest Income / Assets
Current: 0.68% · Tier avg: 0.56%
80
80th pctile
Tier 1 Capital Ratio
Current: 17.24% · Tier avg: 8.85%
58
58th pctile
Loan-to-Deposit Ratio
Current: 72.14% · Tier avg: 74.53%
43
43th pctile
Return on Assets
Current: 0.96% · Tier avg: 1.08%
29
29th pctile
Efficiency Ratio
Current: 74.55% · Tier avg: 67.73%
25
25th pctile
Total Loans
Current: $62.2M · Tier avg: $139.2M
24
24th pctile
Total Deposits
Current: $86.2M · Tier avg: $183.7M
23
23th pctile
Total Assets
Current: $101.2M · Tier avg: $217.5M
0
0th pctile
Delinquency Rate
Current: 5.77% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 4.40% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 4.40% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 5.77% · Tier avg: 0.64%
23
23th pctile
Total Assets
Current: $101.2M · Tier avg: $217.5M
24
24th pctile
Total Deposits
Current: $86.2M · Tier avg: $183.7M
25
25th pctile
Total Loans
Current: $62.2M · Tier avg: $139.2M
29
29th pctile
Efficiency Ratio
Current: 74.55% · Tier avg: 67.73%
43
43th pctile
Return on Assets
Current: 0.96% · Tier avg: 1.08%
58
58th pctile
Loan-to-Deposit Ratio
Current: 72.14% · Tier avg: 74.53%
80
80th pctile
Tier 1 Capital Ratio
Current: 17.24% · Tier avg: 8.85%
82
82th pctile
Non-Interest Income / Assets
Current: 0.68% · Tier avg: 0.56%
85
85th pctile
Non-Interest-Bearing Deposit Share
Current: 32.61% · Tier avg: 22.39%
96
96th pctile
Net Interest Margin
Current: 5.58% · Tier avg: 3.85%