BlastPoint's Banking Scorecard
The First National Bank in Cimarron
Micro
Specialty: Agricultural
KS
FDIC cert 4638
Designations: ✓ Community bank
Cimarron, KS
2498
banks in Micro tier nationally
145 in KS
View Micro leaderboard (KS) →
The First National Bank in Cimarron shows strong momentum with 1 strength and 7.7% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 17.76% 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 ? |
$161.6M
+7.7% YoY
+14.1% QoQ
|
-$55.9M |
$217.5M
+2.3% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
41% |
| Total Loans ? |
$70.8M
-6.1% YoY
-0.3% QoQ
|
-$68.4M |
$139.2M
+2.8% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
29% |
| Total Deposits ? |
$150.6M
+5.9% YoY
+18.9% QoQ
|
-$33.0M |
$183.7M
+1.8% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
46% |
| Return on Assets ? |
1.37%
+12.8% YoY
-7.2% QoQ
|
+0.28% |
1.08%
+14.7% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
68% |
| Net Interest Margin ? |
3.75%
+6.1% YoY
-2.8% QoQ
|
-0.10% |
3.85%
+6.6% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
47% |
| Efficiency Ratio ? |
65.38%
-4.6% YoY
+2.1% QoQ
|
-2.34% |
67.73%
-4.8% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
52% |
| Delinquency Rate ? |
0.30%
+134.1% QoQ
|
-0.34% |
0.64%
+24.4% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
55% |
| Loan-to-Deposit Ratio ? |
46.98%
-11.3% YoY
-16.2% QoQ
|
-27.55% |
74.53%
+0.5% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
Bottom 11% in tier |
| Non-Interest-Bearing Deposit Share ? |
40.15%
+5.0% YoY
+12.4% QoQ
|
+17.76% |
22.39%
-1.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
Top 7% in tier |
| Nonperforming Asset Ratio ? |
0.13%
+104.4% QoQ
|
-0.32% |
0.45%
+25.1% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
63% |
| Tier 1 Capital Ratio ? |
14.68%
+10.2% YoY
-2.6% QoQ
|
+5.83% |
8.85%
-3.4% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
71% |
| Non-Interest Income / Assets ? |
0.24%
+3.3% YoY
+14.4% QoQ
|
-0.32% |
0.56%
+0.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
29% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 7%
in Micro
Why this stands out
Current:
40.15%
(Tier avg: 22.39%, National avg: 21.79%)
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
93
93th pctile
Non-Interest-Bearing Deposit Share
Current: 40.15% · Tier avg: 22.39%
71
71th pctile
Tier 1 Capital Ratio
Current: 14.68% · Tier avg: 8.85%
68
68th pctile
Return on Assets
Current: 1.37% · Tier avg: 1.08%
63
63th pctile
Nonperforming Asset Ratio
Current: 0.13% · Tier avg: 0.45%
55
55th pctile
Delinquency Rate
Current: 0.30% · Tier avg: 0.64%
52
52th pctile
Efficiency Ratio
Current: 65.38% · Tier avg: 67.73%
47
47th pctile
Net Interest Margin
Current: 3.75% · Tier avg: 3.85%
46
46th pctile
Total Deposits
Current: $150.6M · Tier avg: $183.7M
41
41th pctile
Total Assets
Current: $161.6M · Tier avg: $217.5M
29
29th pctile
Non-Interest Income / Assets
Current: 0.24% · Tier avg: 0.56%
29
29th pctile
Total Loans
Current: $70.8M · Tier avg: $139.2M
11
11th pctile
Loan-to-Deposit Ratio
Current: 46.98% · Tier avg: 74.53%
Top Weaknesses
11
11th pctile
Loan-to-Deposit Ratio
Current: 46.98% · Tier avg: 74.53%
29
29th pctile
Total Loans
Current: $70.8M · Tier avg: $139.2M
29
29th pctile
Non-Interest Income / Assets
Current: 0.24% · Tier avg: 0.56%
41
41th pctile
Total Assets
Current: $161.6M · Tier avg: $217.5M
46
46th pctile
Total Deposits
Current: $150.6M · Tier avg: $183.7M
47
47th pctile
Net Interest Margin
Current: 3.75% · Tier avg: 3.85%
52
52th pctile
Efficiency Ratio
Current: 65.38% · Tier avg: 67.73%
55
55th pctile
Delinquency Rate
Current: 0.30% · Tier avg: 0.64%
63
63th pctile
Nonperforming Asset Ratio
Current: 0.13% · Tier avg: 0.45%
68
68th pctile
Return on Assets
Current: 1.37% · Tier avg: 1.08%
71
71th pctile
Tier 1 Capital Ratio
Current: 14.68% · Tier avg: 8.85%
93
93th pctile
Non-Interest-Bearing Deposit Share
Current: 40.15% · Tier avg: 22.39%