BlastPoint's Banking Scorecard
Community First National Bank
Micro
Specialty: Commercial
KS
FDIC cert 35585
Designations: ✓ Community bank
Manhattan, KS
2498
banks in Micro tier nationally
145 in KS
View Micro leaderboard (KS) →
Community First National Bank shows strong momentum with 1 strength and 6.1% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 1.45% 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 (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$362.1M
+6.1% YoY
-0.4% QoQ
|
+$144.6M |
$217.5M
+2.3% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
82% |
| Total Loans ? |
$282.9M
+4.2% YoY
+2.8% QoQ
|
+$143.7M |
$139.2M
+2.8% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Top 10% in tier |
| Total Deposits ? |
$316.2M
+6.1% YoY
-0.9% QoQ
|
+$132.5M |
$183.7M
+1.8% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
84% |
| Return on Assets ? |
1.71%
+4.5% YoY
-1.0% QoQ
|
+0.62% |
1.08%
+14.7% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
82% |
| Net Interest Margin ? |
3.85%
-0.4% YoY
+1.2% QoQ
|
-0.01% |
3.85%
+6.6% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
52% |
| Efficiency Ratio ? |
63.64%
+0.4% YoY
+1.1% QoQ
|
-4.09% |
67.73%
-4.8% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
57% |
| Delinquency Rate ? |
1.65%
+6.9% YoY
+9.3% QoQ
|
+1.01% |
0.64%
+24.4% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
17% |
| Loan-to-Deposit Ratio ? |
89.47%
-1.8% YoY
+3.7% QoQ
|
+14.94% |
74.53%
+0.5% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
76% |
| Non-Interest-Bearing Deposit Share ? |
13.92%
+3.6% YoY
-0.3% QoQ
|
-8.47% |
22.39%
-1.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
20% |
| Nonperforming Asset Ratio ? |
1.29%
-3.0% YoY
+12.8% QoQ
|
+0.84% |
0.45%
+25.1% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 14% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
2.01%
+7.8% YoY
+35.0% QoQ
|
+1.45% |
0.56%
+0.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
Top 3% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 3%
in Micro
Why this stands out
Current:
2.01%
(Tier avg: 0.56%, National avg: 0.65%)
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
97
97th pctile
Non-Interest Income / Assets
Current: 2.01% · Tier avg: 0.56%
90
90th pctile
Total Loans
Current: $282.9M · Tier avg: $139.2M
84
84th pctile
Total Deposits
Current: $316.2M · Tier avg: $183.7M
82
82th pctile
Return on Assets
Current: 1.71% · Tier avg: 1.08%
82
82th pctile
Total Assets
Current: $362.1M · Tier avg: $217.5M
76
76th pctile
Loan-to-Deposit Ratio
Current: 89.47% · Tier avg: 74.53%
57
57th pctile
Efficiency Ratio
Current: 63.64% · Tier avg: 67.73%
52
52th pctile
Net Interest Margin
Current: 3.85% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
20
20th pctile
Non-Interest-Bearing Deposit Share
Current: 13.92% · Tier avg: 22.39%
17
17th pctile
Delinquency Rate
Current: 1.65% · Tier avg: 0.64%
14
14th pctile
Nonperforming Asset Ratio
Current: 1.29% · Tier avg: 0.45%
Top Weaknesses
14
14th pctile
Nonperforming Asset Ratio
Current: 1.29% · Tier avg: 0.45%
17
17th pctile
Delinquency Rate
Current: 1.65% · Tier avg: 0.64%
20
20th pctile
Non-Interest-Bearing Deposit Share
Current: 13.92% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
52
52th pctile
Net Interest Margin
Current: 3.85% · Tier avg: 3.85%
57
57th pctile
Efficiency Ratio
Current: 63.64% · Tier avg: 67.73%
76
76th pctile
Loan-to-Deposit Ratio
Current: 89.47% · Tier avg: 74.53%
82
82th pctile
Total Assets
Current: $362.1M · Tier avg: $217.5M
82
82th pctile
Return on Assets
Current: 1.71% · Tier avg: 1.08%
84
84th pctile
Total Deposits
Current: $316.2M · Tier avg: $183.7M
90
90th pctile
Total Loans
Current: $282.9M · Tier avg: $139.2M
97
97th pctile
Non-Interest Income / Assets
Current: 2.01% · Tier avg: 0.56%