BlastPoint's Banking Scorecard
Consumers National Bank
Community
Specialty: Commercial
OH
FDIC cert 19482
Minerva, OH
1484
banks in Community tier nationally
45 in OH
View Community leaderboard (OH) →
Consumers National Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 20% in Community
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 4% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+9.2% YoY
+2.1% QoQ
|
-$179.6M |
$1.4B
+2.0% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
60% |
| Total Loans ? |
$863.9M
+14.3% YoY
+4.5% QoQ
|
-$111.6M |
$975.5M
+2.4% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
62% |
| Total Deposits ? |
$1.1B
+9.1% YoY
+1.8% QoQ
|
-$75.5M |
$1.2B
+1.7% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
63% |
| Return on Assets ? |
0.84%
+3.4% YoY
+4.1% QoQ
|
-0.32% |
1.16%
+17.2% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
27% |
| Net Interest Margin ? |
3.43%
+9.4% YoY
+1.1% QoQ
|
-0.23% |
3.66%
+9.1% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
39% |
| Efficiency Ratio ? |
69.31%
-0.8% YoY
-0.6% QoQ
|
+6.68% |
62.63%
-5.3% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
28% |
| Delinquency Rate ? |
0.11%
+2.2% YoY
-3.7% QoQ
|
-0.52% |
0.63%
+18.3% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
80% |
| Loan-to-Deposit Ratio ? |
79.32%
+4.8% YoY
+2.6% QoQ
|
-3.74% |
83.06%
+0.3% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
63% |
| Non-Interest-Bearing Deposit Share ? |
22.21%
-4.3% YoY
-3.9% QoQ
|
+1.17% |
21.05%
-0.9% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
60% |
| Nonperforming Asset Ratio ? |
0.08%
+7.0% YoY
-1.4% QoQ
|
-0.42% |
0.50%
+20.3% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
81% |
| Tier 1 Capital Ratio ? |
10.94%
-3.6% YoY
-0.8% QoQ
|
+0.70% |
10.24%
-0.6% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
36% |
| Non-Interest Income / Assets ? |
0.47%
+0.0% YoY
+35.2% QoQ
|
-0.27% |
0.74%
-1.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
45% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#74 of 371 · Top 20% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.11%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Concerns (1)
Credit Quality Pressure
risk
#34 of 808 · Bottom 4% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.11%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
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
81
81th pctile
Nonperforming Asset Ratio
Current: 0.08% · Tier avg: 0.50%
80
80th pctile
Delinquency Rate
Current: 0.11% · Tier avg: 0.63%
63
63th pctile
Loan-to-Deposit Ratio
Current: 79.32% · Tier avg: 83.06%
63
63th pctile
Total Deposits
Current: $1.1B · Tier avg: $1.2B
62
62th pctile
Total Loans
Current: $863.9M · Tier avg: $975.5M
60
60th pctile
Total Assets
Current: $1.2B · Tier avg: $1.4B
60
60th pctile
Non-Interest-Bearing Deposit Share
Current: 22.21% · Tier avg: 21.05%
45
45th pctile
Non-Interest Income / Assets
Current: 0.47% · Tier avg: 0.74%
39
39th pctile
Net Interest Margin
Current: 3.43% · Tier avg: 3.66%
36
36th pctile
Tier 1 Capital Ratio
Current: 10.94% · Tier avg: 10.24%
28
28th pctile
Efficiency Ratio
Current: 69.31% · Tier avg: 62.63%
27
27th pctile
Return on Assets
Current: 0.84% · Tier avg: 1.16%
Top Weaknesses
27
27th pctile
Return on Assets
Current: 0.84% · Tier avg: 1.16%
28
28th pctile
Efficiency Ratio
Current: 69.31% · Tier avg: 62.63%
36
36th pctile
Tier 1 Capital Ratio
Current: 10.94% · Tier avg: 10.24%
39
39th pctile
Net Interest Margin
Current: 3.43% · Tier avg: 3.66%
45
45th pctile
Non-Interest Income / Assets
Current: 0.47% · Tier avg: 0.74%
60
60th pctile
Non-Interest-Bearing Deposit Share
Current: 22.21% · Tier avg: 21.05%
60
60th pctile
Total Assets
Current: $1.2B · Tier avg: $1.4B
62
62th pctile
Total Loans
Current: $863.9M · Tier avg: $975.5M
63
63th pctile
Total Deposits
Current: $1.1B · Tier avg: $1.2B
63
63th pctile
Loan-to-Deposit Ratio
Current: 79.32% · Tier avg: 83.06%
80
80th pctile
Delinquency Rate
Current: 0.11% · Tier avg: 0.63%
81
81th pctile
Nonperforming Asset Ratio
Current: 0.08% · Tier avg: 0.50%