BlastPoint's Banking Scorecard
City National Bank
Micro
Specialty: Other
TX
FDIC cert 24367
Designations: ✓ Community bank
Corsicana, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
City National Bank demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.19% above tier
- + Tier 1 Capital Ratio 15.04% above 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 (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$65.8M
+4.5% YoY
+4.7% QoQ
|
-$151.6M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
Bottom 12% in tier |
| Total Loans ? |
$41.3M
-6.0% YoY
-0.2% QoQ
|
-$97.8M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
16% |
| Total Deposits ? |
$55.8M
+2.4% YoY
+3.3% QoQ
|
-$127.9M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
Bottom 12% in tier |
| Return on Assets ? |
2.28%
+288.6% QoQ
|
+1.19% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 5% in tier |
| Net Interest Margin ? |
3.75%
+19.0% YoY
+3.1% QoQ
|
-0.10% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
47% |
| Efficiency Ratio ? |
81.87%
-13.6% YoY
-4.4% QoQ
|
+14.14% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
18% |
| Delinquency Rate ? |
0.05%
-39.9% QoQ
|
-0.59% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
75% |
| Loan-to-Deposit Ratio ? |
74.14%
-8.2% YoY
-3.4% QoQ
|
-0.39% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
54% |
| Non-Interest-Bearing Deposit Share ? |
35.73%
+15.6% YoY
+9.1% QoQ
|
+13.34% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 11% in tier |
| Nonperforming Asset Ratio ? |
0.03%
-42.7% QoQ
|
-0.42% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
77% |
| Tier 1 Capital Ratio ? |
23.89%
+23.9% YoY
+11.4% QoQ
|
+15.04% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
Top 8% in tier |
| Non-Interest Income / Assets ? |
0.69%
+0.8% YoY
+31.9% QoQ
|
+0.13% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
82% |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 5%
in Micro
Why this stands out
Current:
2.28%
(Tier avg: 1.08%, National avg: 1.12%)
Tier 1 Capital Ratio
metric
Top 8%
in Micro
Why this stands out
Current:
23.89%
(Tier avg: 8.85%, National avg: 9.75%)
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
95
95th pctile
Return on Assets
Current: 2.28% · Tier avg: 1.08%
92
92th pctile
Tier 1 Capital Ratio
Current: 23.89% · Tier avg: 8.85%
89
89th pctile
Non-Interest-Bearing Deposit Share
Current: 35.73% · Tier avg: 22.39%
82
82th pctile
Non-Interest Income / Assets
Current: 0.69% · Tier avg: 0.56%
77
77th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.45%
75
75th pctile
Delinquency Rate
Current: 0.05% · Tier avg: 0.64%
54
54th pctile
Loan-to-Deposit Ratio
Current: 74.14% · Tier avg: 74.53%
47
47th pctile
Net Interest Margin
Current: 3.75% · Tier avg: 3.85%
18
18th pctile
Efficiency Ratio
Current: 81.87% · Tier avg: 67.73%
16
16th pctile
Total Loans
Current: $41.3M · Tier avg: $139.2M
12
12th pctile
Total Deposits
Current: $55.8M · Tier avg: $183.7M
12
12th pctile
Total Assets
Current: $65.8M · Tier avg: $217.5M
Top Weaknesses
12
12th pctile
Total Assets
Current: $65.8M · Tier avg: $217.5M
12
12th pctile
Total Deposits
Current: $55.8M · Tier avg: $183.7M
16
16th pctile
Total Loans
Current: $41.3M · Tier avg: $139.2M
18
18th pctile
Efficiency Ratio
Current: 81.87% · Tier avg: 67.73%
47
47th pctile
Net Interest Margin
Current: 3.75% · Tier avg: 3.85%
54
54th pctile
Loan-to-Deposit Ratio
Current: 74.14% · Tier avg: 74.53%
75
75th pctile
Delinquency Rate
Current: 0.05% · Tier avg: 0.64%
77
77th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.45%
82
82th pctile
Non-Interest Income / Assets
Current: 0.69% · Tier avg: 0.56%
89
89th pctile
Non-Interest-Bearing Deposit Share
Current: 35.73% · Tier avg: 22.39%
92
92th pctile
Tier 1 Capital Ratio
Current: 23.89% · Tier avg: 8.85%
95
95th pctile
Return on Assets
Current: 2.28% · Tier avg: 1.08%