BlastPoint's Banking Scorecard
Community National Bank
Community
Specialty: Commercial
TX
FDIC cert 24897
Midland, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
Community National Bank shows strong momentum with 3 strengths and 7.8% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 4% in Community
- + Profitability Leader: Top 47% in Community
- + Efficiency Ratio 17.62% 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 (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.6B
+7.8% YoY
+10.7% QoQ
|
+$1.2B |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
Top 13% in tier |
| Total Loans ? |
$1.6B
+2.0% YoY
-2.6% QoQ
|
+$615.0M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
83% |
| Total Deposits ? |
$2.2B
+6.2% YoY
+11.6% QoQ
|
+$1.1B |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
Top 12% in tier |
| Return on Assets ? |
2.27%
-0.0% YoY
-0.9% QoQ
|
+1.11% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 5% in tier |
| Net Interest Margin ? |
5.27%
+2.0% YoY
-0.8% QoQ
|
+1.60% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 3% in tier |
| Efficiency Ratio ? |
45.01%
-1.2% YoY
+1.0% QoQ
|
-17.62% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Top 9% in tier |
| Delinquency Rate ? |
1.11%
+188.1% YoY
+14.8% QoQ
|
+0.48% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
23% |
| Loan-to-Deposit Ratio ? |
71.05%
-3.9% YoY
-12.7% QoQ
|
-12.01% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
79% |
| Non-Interest-Bearing Deposit Share ? |
47.04%
+243.2% YoY
-9.6% QoQ
|
+25.99% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 2% in tier |
| Nonperforming Asset Ratio ? |
0.72%
+188.4% YoY
+0.4% QoQ
|
+0.22% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
28% |
| Tier 1 Capital Ratio ? |
15.83%
+16.9% YoY
+6.7% QoQ
|
+5.58% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
82% |
| Non-Interest Income / Assets ? |
0.43%
-7.7% YoY
+17.8% QoQ
|
-0.31% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
38% |
Signature Analysis
Strengths (3)
Deposit Franchise
growth
#7 of 150 · Top 4% in Community
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
47.04%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
5.27%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank improving
Profitability Leader
growth
#176 of 371 · Top 47% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.27%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Efficiency Ratio
metric
Top 9%
in Community
Why this stands out
Current:
45.01%
(Tier avg: 62.63%, National avg: 65.09%)
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
98
98th pctile
Non-Interest-Bearing Deposit Share
Current: 47.04% · Tier avg: 21.05%
97
97th pctile
Net Interest Margin
Current: 5.27% · Tier avg: 3.66%
95
95th pctile
Return on Assets
Current: 2.27% · Tier avg: 1.16%
91
91th pctile
Efficiency Ratio
Current: 45.01% · Tier avg: 62.63%
88
88th pctile
Total Deposits
Current: $2.2B · Tier avg: $1.2B
87
87th pctile
Total Assets
Current: $2.6B · Tier avg: $1.4B
83
83th pctile
Total Loans
Current: $1.6B · Tier avg: $975.5M
82
82th pctile
Tier 1 Capital Ratio
Current: 15.83% · Tier avg: 10.24%
79
79th pctile
Loan-to-Deposit Ratio
Current: 71.05% · Tier avg: 83.06%
38
38th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.74%
28
28th pctile
Nonperforming Asset Ratio
Current: 0.72% · Tier avg: 0.50%
23
23th pctile
Delinquency Rate
Current: 1.11% · Tier avg: 0.63%
Top Weaknesses
23
23th pctile
Delinquency Rate
Current: 1.11% · Tier avg: 0.63%
28
28th pctile
Nonperforming Asset Ratio
Current: 0.72% · Tier avg: 0.50%
38
38th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.74%
79
79th pctile
Loan-to-Deposit Ratio
Current: 71.05% · Tier avg: 83.06%
82
82th pctile
Tier 1 Capital Ratio
Current: 15.83% · Tier avg: 10.24%
83
83th pctile
Total Loans
Current: $1.6B · Tier avg: $975.5M
87
87th pctile
Total Assets
Current: $2.6B · Tier avg: $1.4B
88
88th pctile
Total Deposits
Current: $2.2B · Tier avg: $1.2B
91
91th pctile
Efficiency Ratio
Current: 45.01% · Tier avg: 62.63%
95
95th pctile
Return on Assets
Current: 2.27% · Tier avg: 1.16%
97
97th pctile
Net Interest Margin
Current: 5.27% · Tier avg: 3.66%
98
98th pctile
Non-Interest-Bearing Deposit Share
Current: 47.04% · Tier avg: 21.05%