BlastPoint's Banking Scorecard
The Citizens National Bank of McConnelsville
Micro
Specialty: Mortgage
OH
FDIC cert 6638
Designations: ✓ Community bank
Mcconnelsville, OH
2498
banks in Micro tier nationally
102 in OH
View Micro leaderboard (OH) →
The Citizens National Bank of McConnelsville faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Nonperforming Asset Ratio 1.34% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$109.1M
-1.0% YoY
-0.1% QoQ
|
-$108.4M |
$217.5M
+2.3% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
25% |
| Total Loans ? |
$75.5M
-2.9% YoY
+0.4% QoQ
|
-$63.7M |
$139.2M
+2.8% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
32% |
| Total Deposits ? |
$88.1M
-3.8% YoY
-3.0% QoQ
|
-$95.6M |
$183.7M
+1.8% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
24% |
| Return on Assets ? |
1.05%
+193.1% YoY
-2.0% QoQ
|
-0.03% |
1.08%
+14.7% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
49% |
| Net Interest Margin ? |
4.17%
+20.7% YoY
+1.7% QoQ
|
+0.32% |
3.85%
+6.6% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
67% |
| Efficiency Ratio ? |
70.50%
-19.1% YoY
-0.3% QoQ
|
+2.77% |
67.73%
-4.8% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
39% |
| Delinquency Rate ? |
2.11%
+191.6% YoY
-0.0% QoQ
|
+1.47% |
0.64%
+24.4% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
Bottom 12% in tier |
| Loan-to-Deposit Ratio ? |
85.69%
+1.0% YoY
+3.5% QoQ
|
+11.16% |
74.53%
+0.5% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
69% |
| Non-Interest-Bearing Deposit Share ? |
21.11%
+11.6% YoY
+4.6% QoQ
|
-1.28% |
22.39%
-1.3% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
48% |
| Nonperforming Asset Ratio ? |
1.80%
+251.6% YoY
+0.4% QoQ
|
+1.34% |
0.45%
+25.1% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
Bottom 8% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.62%
+52.6% YoY
+19.3% QoQ
|
+0.06% |
0.56%
+0.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
78% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Nonperforming Asset Ratio
metric
Bottom 8%
in Micro
Why this stands out
Current:
1.80%
(Tier avg: 0.45%, National avg: 0.48%)
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
78
78th pctile
Non-Interest Income / Assets
Current: 0.62% · Tier avg: 0.56%
69
69th pctile
Loan-to-Deposit Ratio
Current: 85.69% · Tier avg: 74.53%
67
67th pctile
Net Interest Margin
Current: 4.17% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
49
49th pctile
Return on Assets
Current: 1.05% · Tier avg: 1.08%
48
48th pctile
Non-Interest-Bearing Deposit Share
Current: 21.11% · Tier avg: 22.39%
39
39th pctile
Efficiency Ratio
Current: 70.50% · Tier avg: 67.73%
32
32th pctile
Total Loans
Current: $75.5M · Tier avg: $139.2M
25
25th pctile
Total Assets
Current: $109.1M · Tier avg: $217.5M
24
24th pctile
Total Deposits
Current: $88.1M · Tier avg: $183.7M
12
12th pctile
Delinquency Rate
Current: 2.11% · Tier avg: 0.64%
8
8th pctile
Nonperforming Asset Ratio
Current: 1.80% · Tier avg: 0.45%
Top Weaknesses
8
8th pctile
Nonperforming Asset Ratio
Current: 1.80% · Tier avg: 0.45%
12
12th pctile
Delinquency Rate
Current: 2.11% · Tier avg: 0.64%
24
24th pctile
Total Deposits
Current: $88.1M · Tier avg: $183.7M
25
25th pctile
Total Assets
Current: $109.1M · Tier avg: $217.5M
32
32th pctile
Total Loans
Current: $75.5M · Tier avg: $139.2M
39
39th pctile
Efficiency Ratio
Current: 70.50% · Tier avg: 67.73%
48
48th pctile
Non-Interest-Bearing Deposit Share
Current: 21.11% · Tier avg: 22.39%
49
49th pctile
Return on Assets
Current: 1.05% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
67
67th pctile
Net Interest Margin
Current: 4.17% · Tier avg: 3.85%
69
69th pctile
Loan-to-Deposit Ratio
Current: 85.69% · Tier avg: 74.53%
78
78th pctile
Non-Interest Income / Assets
Current: 0.62% · Tier avg: 0.56%