BlastPoint's Banking Scorecard
The Citizens National Bank of Bluffton
Community
Specialty: Commercial
OH
FDIC cert 6531
Bluffton, OH
1484
banks in Community tier nationally
45 in OH
View Community leaderboard (OH) →
The Citizens National Bank of Bluffton has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 9% in Community
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 21% in Community
- - Deposit Outflow: Bottom 21% in Community
- - Loan-to-Deposit Ratio 24.69% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+1.1% YoY
+1.0% QoQ
|
-$315.4M |
$1.4B
+2.0% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
54% |
| Total Loans ? |
$855.9M
+0.4% YoY
+1.6% QoQ
|
-$119.6M |
$975.5M
+2.4% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
61% |
| Total Deposits ? |
$794.3M
-1.7% YoY
-4.8% QoQ
|
-$370.3M |
$1.2B
+1.7% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
46% |
| Return on Assets ? |
2.43%
+18.7% YoY
-0.1% QoQ
|
+1.26% |
1.16%
+17.2% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
Top 4% in tier |
| Net Interest Margin ? |
4.38%
+14.8% YoY
+0.8% QoQ
|
+0.72% |
3.66%
+9.1% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
84% |
| Efficiency Ratio ? |
48.07%
-5.1% YoY
+2.0% QoQ
|
-14.57% |
62.63%
-5.3% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Top 13% in tier |
| Delinquency Rate ? |
0.63%
+287.7% YoY
+42.9% QoQ
|
0 |
0.63%
+18.3% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
39% |
| Loan-to-Deposit Ratio ? |
107.75%
+2.2% YoY
+6.8% QoQ
|
+24.69% |
83.06%
+0.3% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
Bottom 5% in tier |
| Non-Interest-Bearing Deposit Share ? |
23.76%
-7.5% YoY
-4.1% QoQ
|
+2.72% |
21.05%
-0.9% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
65% |
| Nonperforming Asset Ratio ? |
0.50%
+285.1% YoY
+43.7% QoQ
|
0 |
0.50%
+20.3% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
38% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.59%
+2.0% YoY
+34.8% QoQ
|
-0.14% |
0.74%
-1.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
60% |
Signature Analysis
Strengths (1)
Profitability Leader
growth
#33 of 371 · Top 9% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.43%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank declining
Concerns (3)
Capital Thin
risk
#91 of 432 · Bottom 21% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Deposit Outflow
decline
#54 of 248 · Bottom 21% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
Loan-to-Deposit Ratio
metric
Bottom 5%
in Community
Why this stands out
Current:
107.75%
(Tier avg: 83.06%, National avg: 78.04%)
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
Return on Assets
Current: 2.43% · Tier avg: 1.16%
87
87th pctile
Efficiency Ratio
Current: 48.07% · Tier avg: 62.63%
84
84th pctile
Net Interest Margin
Current: 4.38% · Tier avg: 3.66%
65
65th pctile
Non-Interest-Bearing Deposit Share
Current: 23.76% · Tier avg: 21.05%
61
61th pctile
Total Loans
Current: $855.9M · Tier avg: $975.5M
60
60th pctile
Non-Interest Income / Assets
Current: 0.59% · Tier avg: 0.74%
54
54th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
46
46th pctile
Total Deposits
Current: $794.3M · Tier avg: $1.2B
39
39th pctile
Delinquency Rate
Current: 0.63% · Tier avg: 0.63%
38
38th pctile
Nonperforming Asset Ratio
Current: 0.50% · Tier avg: 0.50%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
5
5th pctile
Loan-to-Deposit Ratio
Current: 107.75% · Tier avg: 83.06%
Top Weaknesses
5
5th pctile
Loan-to-Deposit Ratio
Current: 107.75% · Tier avg: 83.06%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
38
38th pctile
Nonperforming Asset Ratio
Current: 0.50% · Tier avg: 0.50%
39
39th pctile
Delinquency Rate
Current: 0.63% · Tier avg: 0.63%
46
46th pctile
Total Deposits
Current: $794.3M · Tier avg: $1.2B
54
54th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
60
60th pctile
Non-Interest Income / Assets
Current: 0.59% · Tier avg: 0.74%
61
61th pctile
Total Loans
Current: $855.9M · Tier avg: $975.5M
65
65th pctile
Non-Interest-Bearing Deposit Share
Current: 23.76% · Tier avg: 21.05%
84
84th pctile
Net Interest Margin
Current: 4.38% · Tier avg: 3.66%
87
87th pctile
Efficiency Ratio
Current: 48.07% · Tier avg: 62.63%
96
96th pctile
Return on Assets
Current: 2.43% · Tier avg: 1.16%