BlastPoint's Banking Scorecard

Community National Bank & Trust

$1B-$10B Specialty: Commercial KS FDIC cert 27046

Designations: ✓ Community bank

Chanute, KS

44 branches across KS · MO · OK

883 banks in the $1B-$10B peer group nationally 20 in KS

Community National Bank & Trust has 1 strength but faces 2 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

+ Net Interest Margin 0.19% above tier average

Key Concerns

Areas that may need attention

- ROA 0.33% below tier average
- Efficiency Ratio 4.85% above tier average

Get updates when Community National Bank & Trust releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$2.5B +10.0% YoY +1.9% QoQ	-$310.3M	$2.8B -0.1% YoY	$511.5M +7.3% YoY	$6.2B +9.0% YoY	61%
Total Loans ?	$1.7B +10.9% YoY +1.8% QoQ	-$312.0M	$2.0B +0.6% YoY	$340.0M +8.8% YoY	$3.2B +10.7% YoY	58%
Total Deposits ?	$2.2B +11.3% YoY +2.2% QoQ	-$150.8M	$2.3B -0.3% YoY	$426.3M +7.3% YoY	$4.8B +8.0% YoY	64%
Return on Assets ?	1.04% +121.3% YoY +8.3% QoQ	-0.33%	1.37% +19.6% YoY	1.43% +17.3% YoY	1.24% +13.1% YoY	35%
Net Interest Margin ?	4.01% +14.4% YoY +4.0% QoQ	+0.19%	3.82% +6.9% YoY	3.93% +4.6% YoY	3.89% +5.7% YoY	72%
Efficiency Ratio ?	65.90% -8.1% YoY -0.2% QoQ	+4.85%	61.05% -4.6% YoY	61.28% -4.6% YoY	66.84% -3.8% YoY	32%
Delinquency Rate ?	0.87% -2.9% YoY +12.6% QoQ	-0.02%	0.89% +14.1% YoY	0.75% +8.4% YoY	0.95% +18.8% YoY	32%
Loan-to-Deposit Ratio ?	75.39% -0.3% YoY -0.4% QoQ	-8.81%	84.20% +0.3% YoY	71.71% +1.1% YoY	76.69% +0.9% YoY	75%
Non-Interest-Bearing Deposit Share ?	17.97% +6.7% YoY +3.7% QoQ	-3.31%	21.28% -2.5% YoY	22.79% -1.9% YoY	22.01% -1.1% YoY	40%
Nonperforming Asset Ratio ?	0.60% +1.1% YoY +14.8% QoQ	-0.07%	0.67% +15.6% YoY	0.49% +9.8% YoY	0.66% +19.3% YoY	36%
Tier 1 Capital Ratio ?	12.43% +2.2% YoY -3.0% QoQ	-2.73%	15.17% +2.0% YoY	18.00% -0.6% YoY	17.06% +0.8% YoY	39%
Non-Interest Income / Assets ?	0.17% -3.4% YoY -77.6% QoQ	-0.09%	0.26% +1.6% YoY	0.28% -2.0% YoY	0.32% +4.0% YoY	60%

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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 883 peers in $1B-$10B

Top Strengths (1 metrics)

221

Loan-to-Deposit Ratio

liquidity

Value: 75.39%

Peer Median: 84.20%

#221 of 883 Top 24.9% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available