BlastPoint's Banking Scorecard
Consumers National Bank
Designations: ✓ Community bank
Minerva, OH
23 branches across OH
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 28 in OH.
- Deposits +8.1% year over year ($1.1B on the books).
- Delinquency rate 0.07%.
- Return on assets 0.95%.
- Efficiency ratio 67.56% vs a 59.73% peer average.
- Loan-to-deposit ratio 82.89% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Consumers National Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.79% below tier average
- + Nonperforming Asset Ratio 0.62% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.44% below tier average
- - Net Interest Margin 0.37% below tier average
- - Efficiency Ratio 7.83% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.3B
+9.9% YoY
+3.4% QoQ
|
-$1.5B |
$2.8B
-0.6% YoY
|
$36.7B
+9.4% YoY
|
$6.3B
+7.7% YoY
|
21% |
| Total Loans ? |
$929.3M
+15.3% YoY
+3.7% QoQ
|
-$1.0B |
$2.0B
-0.3% YoY
|
$16.2B
+12.1% YoY
|
$3.2B
+9.4% YoY
|
28% |
| Total Deposits ? |
$1.1B
+8.1% YoY
+1.0% QoQ
|
-$1.2B |
$2.3B
-0.5% YoY
|
$26.4B
+7.6% YoY
|
$4.9B
+7.3% YoY
|
25% |
| Return on Assets ? |
0.95%
+26.3% YoY
+1.1% QoQ
|
-0.44% |
1.39%
+17.0% YoY
|
1.21%
+9.4% YoY
|
1.30%
+12.1% YoY
|
26% |
| Net Interest Margin ? |
3.50%
+4.4% YoY
-0.4% QoQ
|
-0.37% |
3.87%
+6.2% YoY
|
3.65%
+6.4% YoY
|
3.95%
+4.9% YoY
|
37% |
| Efficiency Ratio ? |
67.56%
-4.3% YoY
-1.3% QoQ
|
+7.83% |
59.73%
-12.6% YoY
|
70.70%
-3.8% YoY
|
70.05%
+2.5% YoY
|
26% |
| Delinquency Rate ? |
0.07%
-41.5% YoY
+22.7% QoQ
|
-0.79% |
0.87%
+11.7% YoY
|
0.68%
+23.3% YoY
|
0.98%
+16.3% YoY
|
Top 9.6% in tier |
| Loan-to-Deposit Ratio ? |
82.89%
+6.7% YoY
+2.6% QoQ
|
-2.14% |
85.04%
-0.1% YoY
|
79.88%
+0.7% YoY
|
79.03%
+2.3% YoY
|
61% |
| Non-Interest-Bearing Deposit Share ? |
22.03%
-4.8% YoY
-1.1% QoQ
|
+0.76% |
21.27%
-1.5% YoY
|
18.59%
+0.9% YoY
|
21.98%
-0.6% YoY
|
61% |
| Nonperforming Asset Ratio ? |
0.05%
-38.6% YoY
+23.1% QoQ
|
-0.62% |
0.67%
+11.7% YoY
|
0.46%
+23.9% YoY
|
0.69%
+15.8% YoY
|
Top 9.4% in tier |
| Tier 1 Capital Ratio ? |
10.91%
-0.7% YoY
-1.4% QoQ
|
-3.93% |
14.84%
-0.4% YoY
|
18.68%
-0.2% YoY
|
17.09%
+0.8% YoY
|
17% |
| Non-Interest Income / Assets ? |
0.24%
+2.1% YoY
+103.4% QoQ
|
-0.29% |
0.53%
+2.5% YoY
|
1.22%
+2.7% YoY
|
0.66%
+5.2% YoY
|
38% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
22.0%
-1.1pp YoY -0.2pp QoQ |
+0.7pp | 21.4% | 18.8% | 22.2% | 61% |
| Brokered Deposits |
0.0%
-0.1pp YoY -0.2pp QoQ |
-9.5pp | 9.5% | 7.7% | 8.5% | 2% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
12.8%
-0.2pp YoY -1.0pp QoQ |
-1.2pp | 14.0% | 10.2% | 12.5% | 58% |
| CRE |
41.6%
-1.7pp YoY -0.5pp QoQ |
-8.4pp | 50.0% | 34.2% | 41.4% | 28% |
| 1-4 Family |
22.1%
-2.2pp YoY 0.0pp QoQ |
-4.3pp | 26.4% | 50.0% | 31.3% | 47% |
| Consumer |
15.8%
+1.9pp YoY +1.6pp QoQ |
+11.1pp | 4.7% | 4.7% | 5.0% | 92% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
10.9%
-0.1pp YoY -0.2pp QoQ |
-4.7pp | 15.6% | 22.1% | 19.7% | 8% |
| Leverage Ratio |
8.4%
+0.1pp YoY 0.0pp QoQ |
-3.0pp | 11.3% | 12.9% | 12.6% | 4% |
| Total Capital Ratio |
11.9%
-0.1pp YoY -0.1pp QoQ |
-4.8pp | 16.7% | 23.2% | 20.8% | 8% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
198
+11 (+5.9%) YoY +5 (+2.6%) QoQ |
-116 | 313 | 2,433 | 482 | 41% |
| Assets per Employee ($) |
$6.5M
+3.8% YoY +0.8% QoQ |
-$4.0M | $10.5M | $7.6M | $8.8M | 17% |
| Branch Count |
23
+1 (+4.5%) YoY +1 (+4.5%) QoQ |
+3 | 20 | 81 | 18 | 72% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.2% | 0.2% | 0.4% | 15% |
| Nonaccrual |
0.1%
0.0pp YoY 0.0pp QoQ |
-0.8pp | 0.8% | 0.6% | 1.0% | 8% |
| Allowance Coverage |
13.31x
+62.0% YoY -17.9% QoQ |
-5.40x | 18.71x | 18.95x | 20.23x | 92% |
| Net Charge-off Rate (YTD) |
0.0%
-0.1pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.1% | 0.2% | 20% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.4%
+1.7pp YoY +0.2pp QoQ |
+0.8pp | 12.6% | 9.7% | 11.6% | 61% |
| Cost of Funds (YTD) |
1.7%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 1.9% | 1.7% | 1.7% | 37% |
| Net Income ($, YTD) |
$5.9M
+38.2% YoY — QoQ |
-$13.4M | $19.2M | $259.3M | $40.4M | 16% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.