BlastPoint's Banking Scorecard
Central National Bank
Community
Specialty: Agricultural
KS
FDIC cert 4702
Junction City, KS
1484
banks in Community tier nationally
38 in KS
View Community leaderboard (KS) →
Central National Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.46% above tier
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 51% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.4B
+11.7% YoY
+11.2% QoQ
|
+$19.8M |
$1.4B
+2.0% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
67% |
| Total Loans ? |
$769.1M
+8.0% YoY
+0.6% QoQ
|
-$206.4M |
$975.5M
+2.4% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
55% |
| Total Deposits ? |
$1.2B
+9.9% YoY
+14.2% QoQ
|
+$74.6M |
$1.2B
+1.7% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
69% |
| Return on Assets ? |
1.13%
+35.4% YoY
-0.7% QoQ
|
-0.03% |
1.16%
+17.2% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
51% |
| Net Interest Margin ? |
3.70%
+18.3% YoY
-0.4% QoQ
|
+0.03% |
3.66%
+9.1% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
53% |
| Efficiency Ratio ? |
68.30%
-8.7% YoY
-0.4% QoQ
|
+5.67% |
62.63%
-5.3% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
31% |
| Delinquency Rate ? |
0.04%
-42.5% YoY
+216.5% QoQ
|
-0.59% |
0.63%
+18.3% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
Top 10% in tier |
| Loan-to-Deposit Ratio ? |
62.06%
-1.8% YoY
-11.9% QoQ
|
-21.00% |
83.06%
+0.3% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
Top 10% in tier |
| Non-Interest-Bearing Deposit Share ? |
18.65%
-15.4% YoY
-19.2% QoQ
|
-2.40% |
21.05%
-0.9% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
42% |
| Nonperforming Asset Ratio ? |
0.04%
-56.0% YoY
+52.5% QoQ
|
-0.46% |
0.50%
+20.3% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
Top 11% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
1.20%
-14.8% YoY
+17.9% QoQ
|
+0.46% |
0.74%
-1.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
Top 10% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 10%
in Community
Why this stands out
Current:
1.20%
(Tier avg: 0.74%, National avg: 0.65%)
Concerns (1)
NIB Deposit Bleed
decline
#46 of 89 · Bottom 51% in Community
Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Why this signature
Noninterest-Bearing Deposit Share:
18.65%
(Tier: 21.05%, National: 21.79%)
89 of 89 Community banks match
·
98 nationally
→ Stable
-10 banks QoQ
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
90
90th pctile
Non-Interest Income / Assets
Current: 1.20% · Tier avg: 0.74%
90
90th pctile
Loan-to-Deposit Ratio
Current: 62.06% · Tier avg: 83.06%
90
90th pctile
Delinquency Rate
Current: 0.04% · Tier avg: 0.63%
89
89th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.50%
69
69th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
67
67th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
55
55th pctile
Total Loans
Current: $769.1M · Tier avg: $975.5M
53
53th pctile
Net Interest Margin
Current: 3.70% · Tier avg: 3.66%
51
51th pctile
Return on Assets
Current: 1.13% · Tier avg: 1.16%
42
42th pctile
Non-Interest-Bearing Deposit Share
Current: 18.65% · Tier avg: 21.05%
31
31th pctile
Efficiency Ratio
Current: 68.30% · Tier avg: 62.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
Top Weaknesses
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
31
31th pctile
Efficiency Ratio
Current: 68.30% · Tier avg: 62.63%
42
42th pctile
Non-Interest-Bearing Deposit Share
Current: 18.65% · Tier avg: 21.05%
51
51th pctile
Return on Assets
Current: 1.13% · Tier avg: 1.16%
53
53th pctile
Net Interest Margin
Current: 3.70% · Tier avg: 3.66%
55
55th pctile
Total Loans
Current: $769.1M · Tier avg: $975.5M
67
67th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
69
69th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
89
89th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.50%
90
90th pctile
Delinquency Rate
Current: 0.04% · Tier avg: 0.63%
90
90th pctile
Loan-to-Deposit Ratio
Current: 62.06% · Tier avg: 83.06%
90
90th pctile
Non-Interest Income / Assets
Current: 1.20% · Tier avg: 0.74%