BlastPoint's Banking Scorecard

City National Bank

under $100M Specialty: Other TX FDIC cert 24367

Designations: ✓ Community bank

Corsicana, TX

537 banks in the under $100M peer group nationally 37 in TX

City National Bank has 2 strengths but faces 1 concern

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

+ Efficiency Ratio 0.40% below tier average
+ Delinquency Rate 1.08% below tier average

Key Concerns

Areas that may need attention

- ROA 0.32% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$63.3M +0.2% YoY -3.8% QoQ	+$1.1M	$62.3M -0.5% YoY	$2.2B +1.1% YoY	$6.2B +9.0% YoY	50%
Total Loans ?	$40.4M -8.7% YoY -2.4% QoQ	+$6.1M	$34.3M -1.5% YoY	$1.0B +10.3% YoY	$3.2B +10.7% YoY	63%
Total Deposits ?	$53.2M -2.5% YoY -4.6% QoQ	+$1.4M	$51.8M -0.6% YoY	$1.9B +3.3% YoY	$4.8B +8.0% YoY	50%
Return on Assets ?	0.54% +26.9% YoY -76.4% QoQ	-0.32%	0.86% -3.6% YoY	1.40% +10.4% YoY	1.24% +13.1% YoY	31%
Net Interest Margin ?	3.82% +12.7% YoY +1.9% QoQ	-0.05%	3.87% +2.7% YoY	4.02% +2.6% YoY	3.89% +5.7% YoY	50%
Efficiency Ratio ?	87.22% -2.0% YoY +6.5% QoQ	-0.40%	87.63% +2.3% YoY	63.21% -2.3% YoY	66.84% -3.8% YoY	24%
Delinquency Rate ?	0.28% +446.3% QoQ	-1.08%	1.36% +33.7% YoY	0.96% +37.0% YoY	0.95% +18.8% YoY	55%
Loan-to-Deposit Ratio ?	75.85% -6.3% YoY +2.3% QoQ	+11.74%	64.11% -0.9% YoY	67.20% -0.8% YoY	76.69% +0.9% YoY	34%
Non-Interest-Bearing Deposit Share ?	36.46% +13.5% YoY +2.0% QoQ	+12.68%	23.79% +0.5% YoY	29.01% -1.0% YoY	22.01% -1.1% YoY	Top 11.2% in tier
Nonperforming Asset Ratio ?	0.18% +454.5% QoQ	-0.60%	0.77% +28.7% YoY	0.62% +32.0% YoY	0.66% +19.3% YoY	53%
Tier 1 Capital Ratio ?	23.15% +14.1% YoY -3.1% QoQ	-3.62%	26.77% +2.0% YoY	18.06% +0.0% YoY	17.06% +0.8% YoY	76%
Non-Interest Income / Assets ?	0.16% -10.0% YoY -76.8% QoQ	-0.51%	0.67% +1.6% YoY	0.20% +4.1% YoY	0.32% +4.0% YoY	Top 14.2% in tier

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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 (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

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 537 peers in under $100M

Top Strengths (3 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 36.46%

Peer Median: 23.79%

#61 of 537 Top 11.2% in under $100M

Non-Interest Income / Assets

revenue_mix

Value: 0.16%

Peer Median: 0.67%

#77 of 537 Top 14.2% in under $100M

128

Tier 1 Capital Ratio

capital

Value: 23.15%

Peer Median: 26.77%

#128 of 537 Top 23.6% in under $100M

Top Weaknesses (1 metrics)

411

Efficiency Ratio

profitability

Value: 87.22%

Peer Median: 87.63%

#411 of 537 Bottom 23.6% in under $100M