BlastPoint's Banking Scorecard
Community National Bank & Trust
Designations: ✓ Community bank
Chanute, KS
44 branches across KS · MO · OK
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 885 banks in the $1B-$10B peer group nationwide — 1 of 20 in KS.
- Deposits +10.8% year over year ($2.2B on the books).
- Delinquency rate 0.81%.
- Return on assets 1.17%.
- Efficiency ratio 63.37% vs a 59.73% peer average.
- Loan-to-deposit ratio 75.89% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Community National Bank & Trust has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.26% above tier average
- + Delinquency Rate 0.05% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.22% below tier average
- - Efficiency Ratio 3.65% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.5B
+12.1% YoY
+1.0% QoQ
|
-$261.2M |
$2.8B
-0.6% YoY
|
$513.9M
+7.1% YoY
|
$6.3B
+7.7% YoY
|
62% |
| Total Loans ? |
$1.7B
+11.1% YoY
+1.4% QoQ
|
-$285.7M |
$2.0B
-0.3% YoY
|
$343.7M
+7.8% YoY
|
$3.2B
+9.4% YoY
|
58% |
| Total Deposits ? |
$2.2B
+10.8% YoY
+0.7% QoQ
|
-$108.3M |
$2.3B
-0.5% YoY
|
$426.3M
+7.4% YoY
|
$4.9B
+7.3% YoY
|
64% |
| Return on Assets ? |
1.17%
+62.1% YoY
+12.7% QoQ
|
-0.22% |
1.39%
+17.0% YoY
|
1.56%
+14.6% YoY
|
1.30%
+12.1% YoY
|
42% |
| Net Interest Margin ? |
4.13%
+12.7% YoY
+2.9% QoQ
|
+0.26% |
3.87%
+6.2% YoY
|
3.99%
+4.5% YoY
|
3.95%
+4.9% YoY
|
75% |
| Efficiency Ratio ? |
63.37%
-8.9% YoY
-3.8% QoQ
|
+3.65% |
59.73%
-12.6% YoY
|
60.13%
-4.7% YoY
|
70.05%
+2.5% YoY
|
36% |
| Delinquency Rate ? |
0.81%
-12.9% YoY
-6.7% QoQ
|
-0.05% |
0.87%
+11.7% YoY
|
0.82%
+9.9% YoY
|
0.98%
+16.3% YoY
|
35% |
| Loan-to-Deposit Ratio ? |
75.89%
+0.2% YoY
+0.7% QoQ
|
-9.15% |
85.04%
-0.1% YoY
|
72.94%
+0.4% YoY
|
79.03%
+2.3% YoY
|
75% |
| Non-Interest-Bearing Deposit Share ? |
18.69%
+5.9% YoY
+4.0% QoQ
|
-2.58% |
21.27%
-1.5% YoY
|
22.01%
-1.4% YoY
|
21.98%
-0.6% YoY
|
43% |
| Nonperforming Asset Ratio ? |
0.57%
-10.7% YoY
-5.7% QoQ
|
-0.11% |
0.67%
+11.7% YoY
|
0.53%
+8.8% YoY
|
0.69%
+15.8% YoY
|
39% |
| Tier 1 Capital Ratio ? |
13.04%
+6.8% YoY
+4.9% QoQ
|
-1.80% |
14.84%
-0.4% YoY
|
17.75%
-1.2% YoY
|
17.09%
+0.8% YoY
|
49% |
| Non-Interest Income / Assets ? |
0.35%
-3.2% YoY
+108.5% QoQ
|
-0.18% |
0.53%
+2.5% YoY
|
0.59%
-1.1% YoY
|
0.66%
+5.2% YoY
|
61% |
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 (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
18.7%
+1.0pp YoY +0.7pp QoQ |
-2.7pp | 21.4% | 22.3% | 22.2% | 43% |
| Brokered Deposits |
0.7%
-1.5pp YoY -0.1pp QoQ |
-8.8pp | 9.5% | 8.7% | 8.5% | 14% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
13.9%
-1.0pp YoY -0.1pp QoQ |
-0.1pp | 14.0% | 12.6% | 12.5% | 63% |
| CRE |
33.7%
+0.9pp YoY -0.3pp QoQ |
-16.3pp | 50.0% | 28.8% | 41.4% | 14% |
| 1-4 Family |
26.3%
-2.2pp YoY -0.2pp QoQ |
-0.1pp | 26.4% | 26.7% | 31.3% | 58% |
| Consumer |
3.3%
-0.4pp YoY -0.1pp QoQ |
-1.4pp | 4.7% | 4.6% | 5.0% | 76% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.0%
+0.8pp YoY +0.6pp QoQ |
-2.6pp | 15.6% | 23.3% | 19.7% | 42% |
| Leverage Ratio |
9.0%
+0.5pp YoY +0.1pp QoQ |
-2.3pp | 11.3% | 12.6% | 12.6% | 11% |
| Total Capital Ratio |
14.2%
+0.9pp YoY +0.7pp QoQ |
-2.5pp | 16.7% | 24.4% | 20.8% | 43% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
505
+33 (+7.0%) YoY +5 (+1.0%) QoQ |
+191 | 313 | 70 | 482 | 84% |
| Assets per Employee ($) |
$5.0M
+4.8% YoY 0.0% QoQ |
-$5.5M | $10.5M | $7.1M | $8.8M | 4% |
| Branch Count |
44
+4 (+10.0%) YoY 0 QoQ |
+24 | 20 | 6 | 18 | 92% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.8%
-0.1pp YoY -0.1pp QoQ |
0.0pp | 0.8% | 0.8% | 1.0% | 67% |
| Allowance Coverage |
1.49x
+17.5% YoY +8.0% QoQ |
-17.22x | 18.71x | 22.44x | 20.23x | 38% |
| Net Charge-off Rate (YTD) |
0.1%
-0.3pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.1% | 0.2% | 54% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.4%
+4.2pp YoY +1.4pp QoQ |
+0.8pp | 12.6% | 14.3% | 11.6% | 60% |
| Cost of Funds (YTD) |
1.9%
-0.4pp YoY 0.0pp QoQ |
0.0pp | 1.9% | 1.6% | 1.7% | 52% |
| Net Income ($, YTD) |
$14.6M
+79.5% YoY — QoQ |
-$4.6M | $19.2M | $3.7M | $40.4M | 59% |
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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.