BlastPoint's Banking Scorecard
The Citizens National Bank
Micro
Specialty: Agricultural
KS
FDIC cert 4678
Designations: ✓ Community bank
Greenleaf, KS
2498
banks in Micro tier nationally
145 in KS
View Micro leaderboard (KS) →
The Citizens National Bank shows strong momentum with 2 strengths and 5.4% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% 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 ? |
$224.2M
+5.4% YoY
+1.5% QoQ
|
+$6.8M |
$217.5M
+2.3% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
57% |
| Total Loans ? |
$107.0M
+22.4% YoY
+8.0% QoQ
|
-$32.2M |
$139.2M
+2.8% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
45% |
| Total Deposits ? |
$199.7M
+1.6% YoY
+1.0% QoQ
|
+$16.1M |
$183.7M
+1.8% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
60% |
| Return on Assets ? |
0.71%
+44.1% YoY
-1.7% QoQ
|
-0.37% |
1.08%
+14.7% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
29% |
| Net Interest Margin ? |
2.97%
+15.0% YoY
+2.1% QoQ
|
-0.88% |
3.85%
+6.6% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
16% |
| Efficiency Ratio ? |
75.39%
-8.5% YoY
+0.6% QoQ
|
+7.66% |
67.73%
-4.8% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
28% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
53.55%
+20.4% YoY
+6.9% QoQ
|
-20.97% |
74.53%
+0.5% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
17% |
| Non-Interest-Bearing Deposit Share ? |
18.83%
-8.9% YoY
-3.8% QoQ
|
-3.56% |
22.39%
-1.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
37% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
18.79%
-9.1% YoY
-6.6% QoQ
|
+9.94% |
8.85%
-3.4% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
84% |
| Non-Interest Income / Assets ? |
0.77%
-8.7% YoY
+34.0% QoQ
|
+0.20% |
0.56%
+0.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
Top 14% in tier |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
86
86th pctile
Non-Interest Income / Assets
Current: 0.77% · Tier avg: 0.56%
84
84th pctile
Tier 1 Capital Ratio
Current: 18.79% · Tier avg: 8.85%
60
60th pctile
Total Deposits
Current: $199.7M · Tier avg: $183.7M
57
57th pctile
Total Assets
Current: $224.2M · Tier avg: $217.5M
45
45th pctile
Total Loans
Current: $107.0M · Tier avg: $139.2M
37
37th pctile
Non-Interest-Bearing Deposit Share
Current: 18.83% · Tier avg: 22.39%
29
29th pctile
Return on Assets
Current: 0.71% · Tier avg: 1.08%
28
28th pctile
Efficiency Ratio
Current: 75.39% · Tier avg: 67.73%
17
17th pctile
Loan-to-Deposit Ratio
Current: 53.55% · Tier avg: 74.53%
16
16th pctile
Net Interest Margin
Current: 2.97% · Tier avg: 3.85%
Top Weaknesses
16
16th pctile
Net Interest Margin
Current: 2.97% · Tier avg: 3.85%
17
17th pctile
Loan-to-Deposit Ratio
Current: 53.55% · Tier avg: 74.53%
28
28th pctile
Efficiency Ratio
Current: 75.39% · Tier avg: 67.73%
29
29th pctile
Return on Assets
Current: 0.71% · Tier avg: 1.08%
37
37th pctile
Non-Interest-Bearing Deposit Share
Current: 18.83% · Tier avg: 22.39%
45
45th pctile
Total Loans
Current: $107.0M · Tier avg: $139.2M
57
57th pctile
Total Assets
Current: $224.2M · Tier avg: $217.5M
60
60th pctile
Total Deposits
Current: $199.7M · Tier avg: $183.7M
84
84th pctile
Tier 1 Capital Ratio
Current: 18.79% · Tier avg: 8.85%
86
86th pctile
Non-Interest Income / Assets
Current: 0.77% · Tier avg: 0.56%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%