BlastPoint's Banking Scorecard
Community National Bank
Community
Specialty: Commercial
KS
FDIC cert 25665
Seneca, KS
1484
banks in Community tier nationally
38 in KS
View Community leaderboard (KS) →
Community National Bank demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 28% in Community
- + Loan-to-Deposit Ratio 32.00% 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 (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$890.6M
+3.4% YoY
+4.1% QoQ
|
-$500.8M |
$1.4B
+2.0% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
42% |
| Total Loans ? |
$411.8M
+2.4% YoY
+0.3% QoQ
|
-$563.7M |
$975.5M
+2.4% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
16% |
| Total Deposits ? |
$806.5M
+1.3% YoY
+3.8% QoQ
|
-$358.1M |
$1.2B
+1.7% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
47% |
| Return on Assets ? |
1.61%
+19.7% YoY
-0.3% QoQ
|
+0.44% |
1.16%
+17.2% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
79% |
| Net Interest Margin ? |
3.08%
+15.9% YoY
+0.4% QoQ
|
-0.58% |
3.66%
+9.1% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
21% |
| Efficiency Ratio ? |
56.90%
-4.7% YoY
+0.6% QoQ
|
-5.73% |
62.63%
-5.3% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
68% |
| Delinquency Rate ? |
1.16%
-29.0% YoY
-1.5% QoQ
|
+0.53% |
0.63%
+18.3% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
22% |
| Loan-to-Deposit Ratio ? |
51.06%
+1.1% YoY
-3.4% QoQ
|
-32.00% |
83.06%
+0.3% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
Top 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
9.88%
+1.9% YoY
-1.3% QoQ
|
-11.16% |
21.05%
-0.9% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
Bottom 10% in tier |
| Nonperforming Asset Ratio ? |
0.54%
-29.7% YoY
-5.2% QoQ
|
+0.04% |
0.50%
+20.3% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
36% |
| Tier 1 Capital Ratio ? |
14.10%
-4.3% YoY
-14.7% QoQ
|
+3.86% |
10.24%
-0.6% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
69% |
| Non-Interest Income / Assets ? |
1.38%
+18.9% YoY
+24.5% QoQ
|
+0.64% |
0.74%
-1.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
Top 8% in tier |
Signature Analysis
Strengths (2)
Revenue Diversifier
growth
#105 of 371 · Top 28% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.38%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.61%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank declining
Loan-to-Deposit Ratio
metric
Top 4%
in Community
Why this stands out
Current:
51.06%
(Tier avg: 83.06%, National avg: 78.04%)
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
96
96th pctile
Loan-to-Deposit Ratio
Current: 51.06% · Tier avg: 83.06%
92
92th pctile
Non-Interest Income / Assets
Current: 1.38% · Tier avg: 0.74%
79
79th pctile
Return on Assets
Current: 1.61% · Tier avg: 1.16%
69
69th pctile
Tier 1 Capital Ratio
Current: 14.10% · Tier avg: 10.24%
68
68th pctile
Efficiency Ratio
Current: 56.90% · Tier avg: 62.63%
47
47th pctile
Total Deposits
Current: $806.5M · Tier avg: $1.2B
42
42th pctile
Total Assets
Current: $890.6M · Tier avg: $1.4B
36
36th pctile
Nonperforming Asset Ratio
Current: 0.54% · Tier avg: 0.50%
22
22th pctile
Delinquency Rate
Current: 1.16% · Tier avg: 0.63%
21
21th pctile
Net Interest Margin
Current: 3.08% · Tier avg: 3.66%
16
16th pctile
Total Loans
Current: $411.8M · Tier avg: $975.5M
10
10th pctile
Non-Interest-Bearing Deposit Share
Current: 9.88% · Tier avg: 21.05%
Top Weaknesses
10
10th pctile
Non-Interest-Bearing Deposit Share
Current: 9.88% · Tier avg: 21.05%
16
16th pctile
Total Loans
Current: $411.8M · Tier avg: $975.5M
21
21th pctile
Net Interest Margin
Current: 3.08% · Tier avg: 3.66%
22
22th pctile
Delinquency Rate
Current: 1.16% · Tier avg: 0.63%
36
36th pctile
Nonperforming Asset Ratio
Current: 0.54% · Tier avg: 0.50%
42
42th pctile
Total Assets
Current: $890.6M · Tier avg: $1.4B
47
47th pctile
Total Deposits
Current: $806.5M · Tier avg: $1.2B
68
68th pctile
Efficiency Ratio
Current: 56.90% · Tier avg: 62.63%
69
69th pctile
Tier 1 Capital Ratio
Current: 14.10% · Tier avg: 10.24%
79
79th pctile
Return on Assets
Current: 1.61% · Tier avg: 1.16%
92
92th pctile
Non-Interest Income / Assets
Current: 1.38% · Tier avg: 0.74%
96
96th pctile
Loan-to-Deposit Ratio
Current: 51.06% · Tier avg: 83.06%