BlastPoint's Banking Scorecard

Center National Bank

$100M-$1B Specialty: Commercial MN FDIC cert 10976

Litchfield, MN

3 branches across MN

2664 banks in the $100M-$1B peer group nationally 152 in MN

Center National Bank has 4 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Credit Quality Leader: Top 29.4% in tier
+ Nonperforming Asset Ratio 0.64% below tier average
+ ROA 0.05% above tier average
+ Net Interest Margin 0.07% above tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 11.5% in tier
- Efficiency Ratio 2.28% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$232.6M -5.4% YoY -0.1% QoQ	-$153.5M	$386.1M +0.5% YoY	$512.9M +5.5% YoY	$6.2B +9.1% YoY	33%
Total Loans ?	$153.5M +15.9% YoY -1.7% QoQ	-$102.2M	$255.7M +1.1% YoY	$288.3M +6.9% YoY	$3.2B +10.8% YoY	37%
Total Deposits ?	$205.8M -6.9% YoY +0.2% QoQ	-$122.2M	$328.0M +0.1% YoY	$443.8M +5.0% YoY	$4.8B +8.2% YoY	36%
Return on Assets ?	1.32% +14.6% YoY -9.0% QoQ	+0.05%	1.27% +12.9% YoY	1.13% +10.7% YoY	1.23% +13.4% YoY	57%
Net Interest Margin ?	4.00% +9.5% YoY -0.6% QoQ	+0.07%	3.93% +6.0% YoY	3.93% +7.5% YoY	3.89% +5.7% YoY	57%
Efficiency Ratio ?	67.56% -1.6% YoY +8.1% QoQ	+2.28%	65.29% -4.5% YoY	64.77% -3.3% YoY	66.95% -4.1% YoY	38%
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	1.04% +28.9% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	74.59% +24.4% YoY -1.9% QoQ	-2.05%	76.64% +0.8% YoY	76.69% -0.4% YoY	76.70% +0.9% YoY	58%
Non-Interest-Bearing Deposit Share ?	22.30% -3.9% YoY -0.4% QoQ	+0.28%	22.02% -1.0% YoY	21.87% -0.9% YoY	22.01% -1.2% YoY	55%
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.77% +27.1% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	16.57% -6.6% YoY +2.0% QoQ	+0.74%	15.83% +1.5% YoY	15.37% +0.7% YoY	17.06% +0.8% YoY	75%
Non-Interest Income / Assets ?	0.10% +20.4% YoY -73.6% QoQ	-0.18%	0.28% +9.3% YoY	0.16% +5.0% YoY	0.32% +4.1% YoY	49%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth

#196 of 664 • Top 29.4% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (1)

Deposit Outflow

decline

#59 of 506 • Bottom 11.5% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (3 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

661

Tier 1 Capital Ratio

capital

Value: 16.57%

Peer Median: 15.83%

#661 of 2664 Top 24.8% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available