BlastPoint's Banking Scorecard

Community National Bank

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

Seneca, KS

6 branches across KS

2664 banks in the $100M-$1B peer group nationally 118 in KS

Community National Bank has 3 strengths but faces 4 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 30.0% in tier
+ ROA 0.19% above tier average
+ Efficiency Ratio 4.03% below tier average

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 34.9% in tier
- Non-Interest-Bearing Deposit Share 12.45% below tier average
- Net Interest Margin 0.94% below tier average
- Delinquency Rate 0.36% above tier average

Get updates when Community National Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$903.9M +5.6% YoY +1.5% QoQ	+$517.8M	$386.1M +0.5% YoY	$509.2M +7.2% YoY	$6.2B +9.1% YoY	Top 3.5% in tier
Total Loans ?	$393.5M -3.3% YoY -4.4% QoQ	+$137.8M	$255.7M +1.1% YoY	$338.5M +8.8% YoY	$3.2B +10.8% YoY	79%
Total Deposits ?	$810.3M +3.0% YoY +0.5% QoQ	+$482.3M	$328.0M +0.1% YoY	$424.4M +7.3% YoY	$4.8B +8.2% YoY	Top 2.0% in tier
Return on Assets ?	1.45% -0.4% YoY -9.5% QoQ	+0.19%	1.27% +12.9% YoY	1.40% +19.8% YoY	1.23% +13.4% YoY	65%
Net Interest Margin ?	2.99% +3.3% YoY -3.0% QoQ	-0.94%	3.93% +6.0% YoY	3.92% +4.5% YoY	3.89% +5.7% YoY	Bottom 11.1% in tier
Efficiency Ratio ?	61.26% +12.9% YoY +7.7% QoQ	-4.03%	65.29% -4.5% YoY	62.29% -5.0% YoY	66.95% -4.1% YoY	56%
Delinquency Rate ?	1.24% -19.7% YoY +6.9% QoQ	+0.36%	0.89% +18.8% YoY	0.77% +10.4% YoY	0.95% +18.8% YoY	23%
Loan-to-Deposit Ratio ?	48.57% -6.1% YoY -4.9% QoQ	-28.07%	76.64% +0.8% YoY	71.79% +1.2% YoY	76.70% +0.9% YoY	Top 8.3% in tier
Non-Interest-Bearing Deposit Share ?	9.57% -9.1% YoY -3.2% QoQ	-12.45%	22.02% -1.0% YoY	22.83% -2.0% YoY	22.01% -1.2% YoY	Bottom 9.9% in tier
Nonperforming Asset Ratio ?	0.54% -26.5% YoY +0.7% QoQ	-0.10%	0.64% +19.7% YoY	0.51% +12.5% YoY	0.67% +19.3% YoY	35%
Tier 1 Capital Ratio ?	14.09% -12.5% YoY -0.1% QoQ	-1.74%	15.83% +1.5% YoY	17.98% -0.9% YoY	17.06% +0.8% YoY	57%
Non-Interest Income / Assets ?	0.29% -29.7% YoY -78.9% QoQ	+0.01%	0.28% +9.3% YoY	0.28% -1.8% YoY	0.32% +4.1% YoY	Top 7.0% 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 (1)

Revenue Diversifier

growth

#201 of 666 • Top 30.0% 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: 0.29%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 1.45%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Concerns (1)

Cost Spiral

risk

#45 of 126 • Bottom 34.9% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 61.26%

(Tier: 65.29%, National: 66.95%)

better than tier avg

126 of 126 Community banks match · 176 nationally

↑ Growing +82 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 2664 peers in $100M-$1B

Top Strengths (5 metrics)

Total Deposits

size

Value: $810.29M

Peer Median: $327.97M

#55 of 2664 Top 2.0% in $100M-$1B

Total Assets

size

Value: $903.91M

Peer Median: $386.08M

#94 of 2664 Top 3.5% in $100M-$1B

188

Non-Interest Income / Assets

revenue_mix

Value: 0.29%

Peer Median: 0.28%

#188 of 2664 Top 7.0% in $100M-$1B

223

Loan-to-Deposit Ratio

liquidity

Value: 48.57%

Peer Median: 76.64%

#223 of 2664 Top 8.3% in $100M-$1B

561

Total Loans

size

Value: $393.55M

Peer Median: $255.72M

#561 of 2664 Top 21.0% in $100M-$1B

Top Weaknesses (3 metrics)

2402

Non-Interest-Bearing Deposit Share

funding

Value: 9.57%

Peer Median: 22.02%

#2402 of 2664 Bottom 9.9% in $100M-$1B

2368

Net Interest Margin

profitability

Value: 2.99%

Peer Median: 3.93%

#2368 of 2664 Bottom 11.1% in $100M-$1B

2033

Delinquency Rate

credit_quality

Value: 1.24%

Peer Median: 0.89%

#2033 of 2654 Bottom 23.4% in $100M-$1B