BlastPoint's Banking Scorecard
City National Bank
Designations: ✓ Community bank
Corsicana, TX
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 536 banks in the under $100M peer group nationwide — 1 of 38 in TX.
- Deposits -1.4% year over year ($52.5M on the books).
- Delinquency rate 2.69%.
- Return on assets 0.36%.
- Efficiency ratio 91.22% vs a 119.40% peer average.
- Loan-to-deposit ratio 80.60% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
City National Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 28.18% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.63% below tier average
- - Delinquency Rate 1.21% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$62.0M
+0.1% YoY
-2.1% QoQ
|
-$459K |
$62.4M
-0.0% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
48% |
| Total Loans ? |
$42.3M
+2.6% YoY
+4.8% QoQ
|
+$7.4M |
$34.9M
-0.6% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
65% |
| Total Deposits ? |
$52.5M
-1.4% YoY
-1.4% QoQ
|
+$836K |
$51.6M
-0.2% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
49% |
| Return on Assets ? |
0.36%
-25.4% YoY
-32.4% QoQ
|
-0.63% |
1.00%
+3.5% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
23% |
| Net Interest Margin ? |
3.94%
+11.9% YoY
+3.1% QoQ
|
+0.02% |
3.91%
+2.3% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
52% |
| Efficiency Ratio ? |
91.22%
+4.0% YoY
+4.6% QoQ
|
-28.18% |
119.40%
+49.6% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
17% |
| Delinquency Rate ? |
2.69%
+868.0% QoQ
|
+1.21% |
1.48%
+31.8% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
Bottom 14.3% in tier |
| Loan-to-Deposit Ratio ? |
80.60%
+4.1% YoY
+6.3% QoQ
|
+6.39% |
74.21%
+12.6% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
29% |
| Non-Interest-Bearing Deposit Share ? |
35.76%
+12.5% YoY
-1.9% QoQ
|
+12.27% |
23.49%
+0.6% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
Top 12.7% in tier |
| Nonperforming Asset Ratio ? |
1.83%
+936.4% QoQ
|
+1.00% |
0.84%
+23.0% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
Bottom 12.3% in tier |
| Tier 1 Capital Ratio ? |
23.09%
+5.4% YoY
-0.3% QoQ
|
-4.04% |
27.13%
+3.0% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
76% |
| Non-Interest Income / Assets ? |
0.33%
-6.6% YoY
+104.4% QoQ
|
-1.05% |
1.38%
+6.3% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
Top 14.4% in tier |
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 (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
35.8%
+4.0pp YoY -0.7pp QoQ |
+11.1pp | 24.6% | 29.2% | 22.2% | 86% |
| Brokered Deposits | n/a | n/a | 9.8% | 8.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
14.5%
+1.9pp YoY +1.7pp QoQ |
+1.1pp | 13.4% | 14.8% | 12.5% | 67% |
| CRE |
23.0%
+2.8pp YoY +0.1pp QoQ |
-2.2pp | 25.2% | 48.4% | 41.4% | 58% |
| 1-4 Family |
54.8%
-6.6pp YoY -2.0pp QoQ |
+19.8pp | 35.0% | 25.8% | 31.3% | 76% |
| Consumer |
2.8%
-0.6pp YoY -0.2pp QoQ |
-4.9pp | 7.7% | 4.7% | 5.0% | 28% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
23.1%
+1.2pp YoY -0.1pp QoQ |
-15.6pp | 38.7% | 22.7% | 19.7% | 56% |
| Leverage Ratio |
13.5%
+1.5pp YoY +0.6pp QoQ |
-4.1pp | 17.7% | 12.6% | 12.6% | 58% |
| Total Capital Ratio |
24.3%
+1.2pp YoY -0.1pp QoQ |
-15.3pp | 39.7% | 23.8% | 20.8% | 57% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
14
+1 (+7.7%) YoY 0 QoQ |
+2 | 12 | 186 | 482 | 67% |
| Assets per Employee ($) |
$4.4M
-7.1% YoY -2.1% QoQ |
-$1.8M | $6.2M | $10.1M | $8.8M | 27% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 12 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
-0.2pp QoQ |
-0.8pp | 1.0% | 0.3% | 0.4% | 30% |
| Nonaccrual | 2.6% | +0.8pp | 1.7% | 1.0% | 1.0% | 83% |
| Allowance Coverage |
0.52x
-90.1% QoQ |
-5.89x | 6.41x | 18.82x | 20.23x | 21% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.2% | 0.1% | 0.2% | 32% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
2.8%
-1.6pp YoY -1.4pp QoQ |
-3.6pp | 6.4% | 13.2% | 11.6% | 23% |
| Cost of Funds (YTD) |
1.2%
-0.4pp YoY 0.0pp QoQ |
-0.2pp | 1.4% | 1.6% | 1.7% | 37% |
| Net Income ($, YTD) |
$116,000
-24.2% YoY — QoQ |
-$202K | $317,817 | $15.9M | $40.4M | 25% |
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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.