BlastPoint's Banking Scorecard

Community National Bank

$1B-$10B Specialty: Commercial TX FDIC cert 24897

Designations: ✓ Community bank

Midland, TX

13 branches across TX

884 banks in the $1B-$10B peer group nationally 80 in TX

Community National Bank has 4 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

+ Deposit Franchise: Top 10.5% in tier
+ Return on Assets 0.68% above tier average
+ Efficiency Ratio 12.45% below tier average
+ Delinquency Rate 0.17% below tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 71.4% in tier

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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 ?	$2.6B +5.2% YoY -0.4% QoQ	-$237.2M	$2.8B -0.1% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	63%
Total Loans ?	$1.6B +0.4% YoY -1.1% QoQ	-$391.7M	$2.0B +0.6% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	56%
Total Deposits ?	$2.2B +4.0% YoY -0.5% QoQ	-$116.2M	$2.3B -0.3% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	65%
Return on Assets ?	2.04% -12.1% YoY -10.1% QoQ	+0.68%	1.37% +19.6% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	Top 8.8% in tier
Net Interest Margin ?	4.96% -1.0% YoY -5.7% QoQ	+1.15%	3.82% +6.9% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	Top 5.4% in tier
Efficiency Ratio ?	48.62% +7.4% YoY +8.0% QoQ	-12.45%	61.06% -4.6% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	82%
Delinquency Rate ?	0.71% +27.1% YoY -35.8% QoQ	-0.17%	0.89% +14.1% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	40%
Loan-to-Deposit Ratio ?	70.63% -3.5% YoY -0.6% QoQ	-13.57%	84.20% +0.3% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	82%
Non-Interest-Bearing Deposit Share ?	47.47% -5.9% YoY +0.9% QoQ	+26.18%	21.29% -2.5% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	Top 2.0% in tier
Nonperforming Asset Ratio ?	0.51% +42.1% YoY -29.3% QoQ	-0.16%	0.67% +15.6% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	44%
Tier 1 Capital Ratio ?	16.44% +17.4% YoY +3.9% QoQ	+1.28%	15.16% +2.0% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	83%
Non-Interest Income / Assets ?	0.10% -12.4% YoY -77.2% QoQ	-0.16%	0.26% +1.6% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	31%

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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)

Deposit Franchise

growth

#10 of 86 • Top 10.5% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 47.47%

(Tier: 21.29%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.96%

(Tier: 3.82%, National: 3.89%)

better than tier avg

86 of 86 Mid-Market banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank declining

Concerns (1)

Margin Compression

decline

#61 of 84 • Bottom 71.4% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 2.04%

(Tier: 1.37%, National: 1.23%)

better than tier avg

84 of 84 Mid-Market banks match · 407 nationally

↑ Growing +94 banks QoQ

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 884 peers in $1B-$10B

Top Strengths (6 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 47.47%

Peer Median: 21.29%

#19 of 884 Top 2.0% in $1B-$10B

Net Interest Margin

profitability

Value: 4.96%

Peer Median: 3.82%

#49 of 884 Top 5.4% in $1B-$10B

Return on Assets

profitability

Value: 2.04%

Peer Median: 1.37%

#79 of 884 Top 8.8% in $1B-$10B

149

Tier 1 Capital Ratio

capital

Value: 16.44%

Peer Median: 15.16%

#149 of 884 Top 16.7% in $1B-$10B

158

Loan-to-Deposit Ratio

liquidity

Value: 70.63%

Peer Median: 84.20%

#158 of 884 Top 17.8% in $1B-$10B

161

Efficiency Ratio

profitability

Value: 48.62%

Peer Median: 61.06%

#161 of 884 Top 18.1% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available