BlastPoint's Banking Scorecard

Community First National Bank

$100M-$1B Specialty: Commercial KS FDIC cert 35585

Manhattan, KS

2 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 +4.4% year over year ($326.7M on the books).
Delinquency rate 0.20%.
Return on assets 1.88%.
Efficiency ratio 63.04% vs a 64.48% peer average.
Loan-to-deposit ratio 88.10% 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 First National Bank demonstrates 4 strengths

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 7.0% in tier
+ ROA 0.56% above tier average
+ Efficiency Ratio 1.44% below tier average
+ Delinquency Rate 0.72% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Community First 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 ?	$374.7M +5.0% YoY +2.1% QoQ	-$11.9M	$386.6M +1.2% YoY	$513.9M +7.1% YoY	$6.3B +7.7% YoY	58%
Total Loans ?	$287.8M +6.0% YoY -1.0% QoQ	+$29.5M	$258.3M +1.7% YoY	$343.7M +7.8% YoY	$3.2B +9.4% YoY	65%
Total Deposits ?	$326.7M +4.4% YoY +1.8% QoQ	-$41K	$326.7M +0.7% YoY	$426.3M +7.4% YoY	$4.9B +7.3% YoY	59%
Return on Assets ?	1.88% +12.1% YoY +10.9% QoQ	+0.56%	1.32% +10.8% YoY	1.56% +14.6% YoY	1.30% +12.1% YoY	84%
Net Interest Margin ?	4.00% +6.9% YoY -0.9% QoQ	+0.01%	3.99% +5.0% YoY	3.99% +4.5% YoY	3.95% +4.9% YoY	53%
Efficiency Ratio ?	63.04% -0.3% YoY -0.6% QoQ	-1.44%	64.48% -3.2% YoY	60.13% -4.7% YoY	70.05% +2.5% YoY	48%
Delinquency Rate ?	0.20% -87.0% YoY +55.7% QoQ	-0.72%	0.92% +15.7% YoY	0.82% +9.9% YoY	0.98% +16.3% YoY	65%
Loan-to-Deposit Ratio ?	88.10% +1.5% YoY -2.8% QoQ	+10.15%	77.95% +1.0% YoY	72.94% +0.4% YoY	79.03% +2.3% YoY	31%
Non-Interest-Bearing Deposit Share ?	14.70% +6.3% YoY +3.3% QoQ	-7.33%	22.03% -0.6% YoY	22.01% -1.4% YoY	21.98% -0.6% YoY	23%
Nonperforming Asset Ratio ?	0.15% -86.9% YoY -88.1% QoQ	-0.52%	0.67% +16.4% YoY	0.53% +8.8% YoY	0.69% +15.8% YoY	65%
Tier 1 Capital Ratio ?	13.08% +24.9% YoY +5.7% QoQ	-2.82%	15.91% +1.4% YoY	17.75% -1.2% YoY	17.09% +0.8% YoY	49%
Non-Interest Income / Assets ?	1.01% +5.1% YoY +126.4% QoQ	+0.44%	0.57% +7.6% YoY	0.59% -1.1% YoY	0.66% +5.2% YoY	Top 3.3% 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	14.7% +0.9pp YoY +0.5pp QoQ	-7.5pp	22.1%	22.3%	22.2%	23%
Brokered Deposits	1.0% -0.7pp YoY 0.0pp QoQ	-6.9pp	7.9%	8.7%	8.5%	18%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
C&I	11.7% -0.8pp YoY +0.1pp QoQ	+0.1pp	11.6%	12.6%	12.5%	62%
CRE	44.0% -0.5pp YoY +1.0pp QoQ	+4.4pp	39.5%	28.8%	41.4%	60%
1-4 Family	15.6% -1.1pp YoY -1.2pp QoQ	-17.0pp	32.6%	26.7%	31.3%	21%
Consumer	2.0% -0.2pp YoY -0.3pp QoQ	-2.1pp	4.1%	4.6%	5.0%	48%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
CET1 Ratio	13.1% +0.7pp QoQ	-5.7pp	18.8%	23.3%	19.7%	29%
Leverage Ratio	10.9% +0.5pp YoY +0.3pp QoQ	-1.2pp	12.2%	12.6%	12.6%	49%
Total Capital Ratio	14.3% +0.7pp QoQ	-5.6pp	19.9%	24.4%	20.8%	30%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Full-Time Employees	68 -2 (-2.9%) YoY -2 (-2.9%) QoQ	+9	58	70	482	69%
Assets per Employee ($)	$5.5M +8.1% YoY +5.1% QoQ	-$2.0M	$7.5M	$7.1M	$8.8M	23%
Branch Count	2 0 YoY 0 QoQ	-3	4	6	18	11%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% -0.1pp QoQ	-0.3pp	0.3%	0.4%	0.4%	1%
Nonaccrual	0.2% -1.3pp YoY +0.1pp QoQ	-0.7pp	0.9%	0.8%	1.0%	30%
Allowance Coverage	8.65x +652.3% YoY -34.3% QoQ	-15.50x	24.15x	22.44x	20.23x	80%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.1%	0.1%	0.2%	16%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
ROE	17.4% +1.6pp YoY +1.7pp QoQ	+5.2pp	12.2%	14.3%	11.6%	79%
Cost of Funds (YTD)	1.8% -0.3pp YoY 0.0pp QoQ	+0.1pp	1.7%	1.6%	1.7%	60%
Net Income ($, YTD)	$3.5M +17.8% YoY — QoQ	+$906K	$2.6M	$3.7M	$40.4M	75%

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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

#47 of 661 • Top 7.0% 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: 1.01%

(Tier: 0.57%, National: 0.66%)

better than tier avg

Return on Assets: 1.88%

(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 (2 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 1.01%

Peer Median: 0.57%

#88 of 2643 Top 3.3% in $100M-$1B

437

Return on Assets

profitability

Value: 1.88%

Peer Median: 1.32%

#437 of 2643 Top 16.5% in $100M-$1B

Top Weaknesses (1 metrics)

2036

Non-Interest-Bearing Deposit Share

funding

Value: 14.70%

Peer Median: 22.03%

#2036 of 2643 Bottom 23.0% in $100M-$1B