BlastPoint's Banking Scorecard

Community National Bank

$100M-$1B Specialty: Commercial KS FDIC cert 25665

Seneca, KS

6 branches across KS

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 117 in KS.
Deposits -1.1% year over year ($772.6M on the books).
Delinquency rate 1.49%.
Return on assets 1.65%.
Efficiency ratio 59.76% vs a 64.48% peer average.
Loan-to-deposit ratio 49.07% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 117 in KS

View $100M-$1B leaderboard (KS) →

Community National Bank has 3 strengths but faces 3 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

+ Revenue Diversifier: Top 17.7% in tier
+ ROA 0.32% above tier average
+ Efficiency Ratio 4.72% below tier average

Key Concerns

Areas that may need attention

- Non-Interest-Bearing Deposit Share 12.70% below tier average
- Net Interest Margin 0.83% below tier average
- Delinquency Rate 0.57% above tier average

Get updates when Community National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$853.1M -0.1% YoY -5.6% QoQ	+$466.6M	$386.6M +1.2% YoY	$513.9M +7.1% YoY	$6.3B +7.7% YoY	Top 5.5% in tier
Total Loans ?	$379.1M -6.0% YoY -3.7% QoQ	+$120.8M	$258.3M +1.7% YoY	$343.7M +7.8% YoY	$3.2B +9.4% YoY	77%
Total Deposits ?	$772.6M -1.1% YoY -4.6% QoQ	+$445.9M	$326.7M +0.7% YoY	$426.3M +7.4% YoY	$4.9B +7.3% YoY	Top 3.4% in tier
Return on Assets ?	1.65% +4.1% YoY +13.1% QoQ	+0.32%	1.32% +10.8% YoY	1.56% +14.6% YoY	1.30% +12.1% YoY	73%
Net Interest Margin ?	3.16% +8.6% YoY +5.6% QoQ	-0.83%	3.99% +5.0% YoY	3.99% +4.5% YoY	3.95% +4.9% YoY	Bottom 14.7% in tier
Efficiency Ratio ?	59.76% +8.1% YoY -2.4% QoQ	-4.72%	64.48% -3.2% YoY	60.13% -4.7% YoY	70.05% +2.5% YoY	58%
Delinquency Rate ?	1.49% -3.3% YoY +19.7% QoQ	+0.57%	0.92% +15.7% YoY	0.82% +9.9% YoY	0.98% +16.3% YoY	19%
Loan-to-Deposit Ratio ?	49.07% -4.9% YoY +1.0% QoQ	-28.88%	77.95% +1.0% YoY	72.94% +0.4% YoY	79.03% +2.3% YoY	Top 7.8% in tier
Non-Interest-Bearing Deposit Share ?	9.33% +1.1% YoY -2.5% QoQ	-12.70%	22.03% -0.6% YoY	22.01% -1.4% YoY	21.98% -0.6% YoY	Bottom 9.3% in tier
Nonperforming Asset Ratio ?	0.66% -9.0% YoY +22.2% QoQ	-0.01%	0.67% +16.4% YoY	0.53% +8.8% YoY	0.69% +15.8% YoY	32%
Tier 1 Capital Ratio ?	15.29% -1.8% YoY +8.6% QoQ	-0.61%	15.91% +1.4% YoY	17.75% -1.2% YoY	17.09% +0.8% YoY	68%
Non-Interest Income / Assets ?	0.70% -9.5% YoY +141.2% QoQ	+0.13%	0.57% +7.6% YoY	0.59% -1.1% YoY	0.66% +5.2% YoY	Top 5.8% in tier

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 (KS)	National Avg	Tier Percentile
Noninterest-Bearing	9.3% +0.1pp YoY -0.2pp QoQ	-12.8pp	22.1%	22.3%	22.2%	9%
Brokered Deposits	n/a	n/a	7.9%	8.7%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
C&I	11.7% +0.4pp YoY +0.8pp QoQ	+0.2pp	11.6%	12.6%	12.5%	62%
CRE	44.8% 0.0pp YoY -1.8pp QoQ	+5.2pp	39.5%	28.8%	41.4%	62%
1-4 Family	30.9% +0.8pp YoY +0.9pp QoQ	-1.7pp	32.6%	26.7%	31.3%	54%
Consumer	0.8% -0.1pp YoY +0.1pp QoQ	-3.3pp	4.1%	4.6%	5.0%	23%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
CET1 Ratio	15.3% -0.3pp YoY +1.2pp QoQ	-3.5pp	18.8%	23.3%	19.7%	52%
Leverage Ratio	9.7% +0.1pp YoY +0.3pp QoQ	-2.5pp	12.2%	12.6%	12.6%	24%
Total Capital Ratio	16.2% -0.3pp YoY +1.3pp QoQ	-3.7pp	19.9%	24.4%	20.8%	50%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Full-Time Employees	129 +16 (+14.2%) YoY +10 (+8.4%) QoQ	+70	58	70	482	95%
Assets per Employee ($)	$6.6M -12.5% YoY -12.9% QoQ	-$905K	$7.5M	$7.1M	$8.8M	45%
Branch Count	6 0 YoY 0 QoQ	+1	4	6	18	66%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Past Due 90+ Days	0.2%	-0.2pp	0.3%	0.4%	0.4%	61%
Nonaccrual	1.3% -0.2pp YoY +0.1pp QoQ	+0.4pp	0.9%	0.8%	1.0%	78%
Allowance Coverage	0.87x +13.6% YoY -13.7% QoQ	-23.29x	24.15x	22.44x	20.23x	23%
Net Charge-off Rate (YTD)	0.0% -0.1pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	44%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
ROE	25.5% -4.0pp YoY +2.2pp QoQ	+13.3pp	12.2%	14.3%	11.6%	96%
Cost of Funds (YTD)	1.6% -0.3pp YoY 0.0pp QoQ	-0.2pp	1.7%	1.6%	1.7%	41%
Net Income ($, YTD)	$7.3M +7.2% YoY — QoQ	+$4.7M	$2.6M	$3.7M	$40.4M	96%

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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)

Revenue Diversifier

growth

#118 of 661 • Top 17.7% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.70%

(Tier: 0.57%, National: 0.66%)

better than tier avg

Return on Assets: 1.65%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

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 2643 peers in $100M-$1B

Top Strengths (5 metrics)

Total Deposits

size

Value: $772.64M

Peer Median: $326.73M

#90 of 2643 Top 3.4% in $100M-$1B

147

Total Assets

size

Value: $853.14M

Peer Median: $386.57M

#147 of 2643 Top 5.5% in $100M-$1B

153

Non-Interest Income / Assets

revenue_mix

Value: 0.70%

Peer Median: 0.57%

#153 of 2643 Top 5.8% in $100M-$1B

208

Loan-to-Deposit Ratio

liquidity

Value: 49.07%

Peer Median: 77.95%

#208 of 2643 Top 7.8% in $100M-$1B

609

Total Loans

size

Value: $379.13M

Peer Median: $258.35M

#609 of 2643 Top 23.0% in $100M-$1B

Top Weaknesses (3 metrics)

2398

Non-Interest-Bearing Deposit Share

funding

Value: 9.33%

Peer Median: 22.03%

#2398 of 2643 Bottom 9.3% in $100M-$1B

2255

Net Interest Margin

profitability

Value: 3.16%

Peer Median: 3.99%

#2255 of 2643 Bottom 14.7% in $100M-$1B

2141

Delinquency Rate

credit_quality

Value: 1.49%

Peer Median: 0.92%

#2141 of 2633 Bottom 18.7% in $100M-$1B