BlastPoint's Banking Scorecard
Kingston National Bank
Community
Specialty: Agricultural
OH
FDIC cert 6616
Kingston, OH
1484
banks in Community tier nationally
45 in OH
View Community leaderboard (OH) →
Kingston National Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 5% in Community
- - Credit Quality Pressure: Bottom 22% in Community
- - Flatlined Growth: Bottom 37% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$578.8M
+1.7% YoY
+0.3% QoQ
|
-$812.6M |
$1.4B
+2.0% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
Bottom 11% in tier |
| Total Loans ? |
$415.8M
+2.2% YoY
+2.4% QoQ
|
-$559.7M |
$975.5M
+2.4% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
17% |
| Total Deposits ? |
$529.8M
+0.8% YoY
-0.0% QoQ
|
-$634.8M |
$1.2B
+1.7% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
18% |
| Return on Assets ? |
0.75%
+115.1% YoY
+2.4% QoQ
|
-0.42% |
1.16%
+17.2% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
22% |
| Net Interest Margin ? |
3.19%
+21.9% YoY
+1.6% QoQ
|
-0.48% |
3.66%
+9.1% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
24% |
| Efficiency Ratio ? |
71.66%
-15.7% YoY
-1.0% QoQ
|
+9.03% |
62.63%
-5.3% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
23% |
| Delinquency Rate ? |
0.29%
+33.5% YoY
+46.5% QoQ
|
-0.34% |
0.63%
+18.3% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
62% |
| Loan-to-Deposit Ratio ? |
78.47%
+1.4% YoY
+2.4% QoQ
|
-4.59% |
83.06%
+0.3% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
65% |
| Non-Interest-Bearing Deposit Share ? |
20.45%
+10.7% YoY
+7.7% QoQ
|
-0.59% |
21.05%
-0.9% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
52% |
| Nonperforming Asset Ratio ? |
0.21%
+34.2% YoY
+49.6% QoQ
|
-0.29% |
0.50%
+20.3% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
64% |
| Tier 1 Capital Ratio ? |
12.57%
+3.1% YoY
+0.5% QoQ
|
+2.33% |
10.24%
-0.6% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
53% |
| Non-Interest Income / Assets ? |
0.35%
-1.6% YoY
+32.1% QoQ
|
-0.39% |
0.74%
-1.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
30% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Credit Risk Growth
risk
#31 of 642 · Bottom 5% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Credit Quality Pressure
risk
#181 of 808 · Bottom 22% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.29%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank declining
Flatlined Growth
risk
#91 of 245 · Bottom 37% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.75%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
|
QoQ rank improving
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
65
65th pctile
Loan-to-Deposit Ratio
Current: 78.47% · Tier avg: 83.06%
64
64th pctile
Nonperforming Asset Ratio
Current: 0.21% · Tier avg: 0.50%
62
62th pctile
Delinquency Rate
Current: 0.29% · Tier avg: 0.63%
53
53th pctile
Tier 1 Capital Ratio
Current: 12.57% · Tier avg: 10.24%
52
52th pctile
Non-Interest-Bearing Deposit Share
Current: 20.45% · Tier avg: 21.05%
30
30th pctile
Non-Interest Income / Assets
Current: 0.35% · Tier avg: 0.74%
24
24th pctile
Net Interest Margin
Current: 3.19% · Tier avg: 3.66%
23
23th pctile
Efficiency Ratio
Current: 71.66% · Tier avg: 62.63%
22
22th pctile
Return on Assets
Current: 0.75% · Tier avg: 1.16%
18
18th pctile
Total Deposits
Current: $529.8M · Tier avg: $1.2B
17
17th pctile
Total Loans
Current: $415.8M · Tier avg: $975.5M
11
11th pctile
Total Assets
Current: $578.8M · Tier avg: $1.4B
Top Weaknesses
11
11th pctile
Total Assets
Current: $578.8M · Tier avg: $1.4B
17
17th pctile
Total Loans
Current: $415.8M · Tier avg: $975.5M
18
18th pctile
Total Deposits
Current: $529.8M · Tier avg: $1.2B
22
22th pctile
Return on Assets
Current: 0.75% · Tier avg: 1.16%
23
23th pctile
Efficiency Ratio
Current: 71.66% · Tier avg: 62.63%
24
24th pctile
Net Interest Margin
Current: 3.19% · Tier avg: 3.66%
30
30th pctile
Non-Interest Income / Assets
Current: 0.35% · Tier avg: 0.74%
52
52th pctile
Non-Interest-Bearing Deposit Share
Current: 20.45% · Tier avg: 21.05%
53
53th pctile
Tier 1 Capital Ratio
Current: 12.57% · Tier avg: 10.24%
62
62th pctile
Delinquency Rate
Current: 0.29% · Tier avg: 0.63%
64
64th pctile
Nonperforming Asset Ratio
Current: 0.21% · Tier avg: 0.50%
65
65th pctile
Loan-to-Deposit Ratio
Current: 78.47% · Tier avg: 83.06%