BlastPoint's Banking Scorecard

Community First National Bank

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

Manhattan, KS

2 branches across KS

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

Community First National Bank has 5 strengths but faces 1 concern

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 8.4% in tier
+ ROA 0.43% above tier average
+ Net Interest Margin 0.10% above tier average
+ Efficiency Ratio 1.86% below tier average
+ Delinquency Rate 0.76% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 22.1% in tier

Get updates when Community First 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 ?	$367.0M +4.1% YoY +1.4% QoQ	-$19.1M	$386.1M +0.5% YoY	$509.2M +7.2% YoY	$6.2B +9.1% YoY	57%
Total Loans ?	$290.7M +5.2% YoY +2.8% QoQ	+$35.0M	$255.7M +1.1% YoY	$338.5M +8.8% YoY	$3.2B +10.8% YoY	66%
Total Deposits ?	$320.9M +3.7% YoY +1.5% QoQ	-$7.1M	$328.0M +0.1% YoY	$424.4M +7.3% YoY	$4.8B +8.2% YoY	58%
Return on Assets ?	1.70% +14.1% YoY -0.6% QoQ	+0.43%	1.27% +12.9% YoY	1.40% +19.8% YoY	1.23% +13.4% YoY	78%
Net Interest Margin ?	4.03% +9.1% YoY +4.8% QoQ	+0.10%	3.93% +6.0% YoY	3.92% +4.5% YoY	3.89% +5.7% YoY	59%
Efficiency Ratio ?	63.42% -2.1% YoY -0.3% QoQ	-1.86%	65.29% -4.5% YoY	62.29% -5.0% YoY	66.95% -4.1% YoY	50%
Delinquency Rate ?	0.13% -91.5% YoY -92.2% QoQ	-0.76%	0.89% +18.8% YoY	0.77% +10.4% YoY	0.95% +18.8% YoY	71%
Loan-to-Deposit Ratio ?	90.60% +1.4% YoY +1.3% QoQ	+13.96%	76.64% +0.8% YoY	71.79% +1.2% YoY	76.70% +0.9% YoY	23%
Non-Interest-Bearing Deposit Share ?	14.23% +7.7% YoY +2.2% QoQ	-7.79%	22.02% -1.0% YoY	22.83% -2.0% YoY	22.01% -1.2% YoY	21%
Nonperforming Asset Ratio ?	1.29% +9.0% YoY +0.3% QoQ	+0.66%	0.64% +19.7% YoY	0.51% +12.5% YoY	0.67% +19.3% YoY	Bottom 14.2% in tier
Tier 1 Capital Ratio ?	12.38% +15.4% YoY +13.5% QoQ	-3.45%	15.83% +1.5% YoY	17.98% -0.9% YoY	17.06% +0.8% YoY	40%
Non-Interest Income / Assets ?	0.44% +10.1% YoY -78.0% QoQ	+0.16%	0.28% +9.3% YoY	0.28% -1.8% YoY	0.32% +4.1% YoY	Top 4.0% 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

#57 of 666 • Top 8.4% 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: 0.44%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 1.70%

(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)

Liquidity Strain

risk

#143 of 643 • Bottom 22.1% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 90.60%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 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 (2 metrics)

107

Non-Interest Income / Assets

revenue_mix

Value: 0.44%

Peer Median: 0.28%

#107 of 2664 Top 4.0% in $100M-$1B

599

Return on Assets

profitability

Value: 1.70%

Peer Median: 1.27%

#599 of 2664 Top 22.4% in $100M-$1B

Top Weaknesses (3 metrics)

2286

Nonperforming Asset Ratio

credit_quality

Value: 1.29%

Peer Median: 0.64%

#2286 of 2664 Bottom 14.2% in $100M-$1B

2098

Non-Interest-Bearing Deposit Share

funding

Value: 14.23%

Peer Median: 22.02%

#2098 of 2664 Bottom 21.3% in $100M-$1B

2051

Loan-to-Deposit Ratio

liquidity

Value: 90.60%

Peer Median: 76.64%

#2051 of 2664 Bottom 23.0% in $100M-$1B