BlastPoint's Banking Scorecard

The First National Bank in Cimarron

$100M-$1B Specialty: Agricultural KS FDIC cert 4638

Cimarron, 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 -0.8% year over year ($131.3M on the books).
Delinquency rate 0.25%.
Return on assets 2.10%.
Efficiency ratio 56.93% vs a 64.48% peer average.
Loan-to-deposit ratio 53.44% 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) →

The First National Bank in Cimarron has 3 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

+ Profitability Leader: Top 12.2% in tier
+ Efficiency Ratio 7.55% below tier average
+ Delinquency Rate 0.67% below tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 38.5% in tier

Get updates when The First National Bank in Cimarron releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$143.5M +0.7% YoY -1.6% QoQ	-$243.1M	$386.6M +1.2% YoY	$513.9M +7.1% YoY	$6.3B +7.7% YoY	Bottom 12.4% in tier
Total Loans ?	$70.2M -1.2% YoY +1.8% QoQ	-$188.2M	$258.3M +1.7% YoY	$343.7M +7.8% YoY	$3.2B +9.4% YoY	Bottom 7.3% in tier
Total Deposits ?	$131.3M -0.8% YoY -2.1% QoQ	-$195.4M	$326.7M +0.7% YoY	$426.3M +7.4% YoY	$4.9B +7.3% YoY	16%
Return on Assets ?	2.10% +43.2% YoY -0.6% QoQ	+0.78%	1.32% +10.8% YoY	1.56% +14.6% YoY	1.30% +12.1% YoY	Top 11.2% in tier
Net Interest Margin ?	3.96% +3.3% YoY +2.7% QoQ	-0.03%	3.99% +5.0% YoY	3.99% +4.5% YoY	3.95% +4.9% YoY	51%
Efficiency Ratio ?	56.93% -9.9% YoY -2.3% QoQ	-7.55%	64.48% -3.2% YoY	60.13% -4.7% YoY	70.05% +2.5% YoY	67%
Delinquency Rate ?	0.25% -87.3% YoY +129.2% QoQ	-0.67%	0.92% +15.7% YoY	0.82% +9.9% YoY	0.98% +16.3% YoY	62%
Loan-to-Deposit Ratio ?	53.44% -0.5% YoY +4.0% QoQ	-24.51%	77.95% +1.0% YoY	72.94% +0.4% YoY	79.03% +2.3% YoY	Top 11.1% in tier
Non-Interest-Bearing Deposit Share ?	33.69% -3.9% YoY -1.2% QoQ	+11.66%	22.03% -0.6% YoY	22.01% -1.4% YoY	21.98% -0.6% YoY	Top 11.2% in tier
Nonperforming Asset Ratio ?	0.12% -87.5% YoY +137.1% QoQ	-0.55%	0.67% +16.4% YoY	0.53% +8.8% YoY	0.69% +15.8% YoY	68%
Tier 1 Capital Ratio ?	16.23% +11.4% YoY +2.4% QoQ	+0.32%	15.91% +1.4% YoY	17.75% -1.2% YoY	17.09% +0.8% YoY	73%
Non-Interest Income / Assets ?	0.14% -0.2% YoY +162.1% QoQ	-0.43%	0.57% +7.6% YoY	0.59% -1.1% YoY	0.66% +5.2% YoY	30%

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	33.7% -1.4pp YoY -0.4pp QoQ	+11.5pp	22.1%	22.3%	22.2%	89%
Brokered Deposits	n/a	n/a	7.9%	8.7%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
C&I	24.2% -0.9pp YoY +1.1pp QoQ	+12.6pp	11.6%	12.6%	12.5%	92%
CRE	n/a	n/a	39.5%	28.8%	41.4%	n/a
1-4 Family	18.3% +0.6pp YoY +0.2pp QoQ	-14.3pp	32.6%	26.7%	31.3%	26%
Consumer	4.9% -1.2pp YoY -0.4pp QoQ	+0.8pp	4.1%	4.6%	5.0%	76%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
CET1 Ratio	16.2% +1.7pp YoY +0.4pp QoQ	-2.6pp	18.8%	23.3%	19.7%	59%
Leverage Ratio	9.6% +0.9pp YoY +0.7pp QoQ	-2.6pp	12.2%	12.6%	12.6%	23%
Total Capital Ratio	17.3% +1.6pp YoY +0.4pp QoQ	-2.7pp	19.9%	24.4%	20.8%	58%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Full-Time Employees	20 +1 (+5.3%) YoY +1 (+5.3%) QoQ	-39	58	70	482	11%
Assets per Employee ($)	$7.2M -4.3% YoY -6.5% QoQ	-$344K	$7.5M	$7.1M	$8.8M	55%
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	0.1% +0.1pp YoY	-0.2pp	0.3%	0.4%	0.4%	58%
Nonaccrual	0.1% -1.9pp YoY 0.0pp QoQ	-0.8pp	0.9%	0.8%	1.0%	18%
Allowance Coverage	4.22x +590.4% YoY -56.8% QoQ	-19.93x	24.15x	22.44x	20.23x	66%
Net Charge-off Rate (YTD)	n/a	n/a	0.1%	0.1%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
ROE	34.1% -0.4pp YoY -1.7pp QoQ	+21.9pp	12.2%	14.3%	11.6%	99%
Cost of Funds (YTD)	1.2% 0.0pp YoY +0.1pp QoQ	-0.5pp	1.7%	1.6%	1.7%	19%
Net Income ($, YTD)	$1.6M +48.6% YoY — QoQ	-$977K	$2.6M	$3.7M	$40.4M	44%

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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)

Profitability Leader

growth

#82 of 661 • Top 12.2% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.10%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Concerns (1)

Deposit Outflow

decline

#207 of 535 • Bottom 38.5% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally

→ Stable +31 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 2643 peers in $100M-$1B

Top Strengths (3 metrics)

295

Loan-to-Deposit Ratio

liquidity

Value: 53.44%

Peer Median: 77.95%

#295 of 2643 Top 11.1% in $100M-$1B

297

Return on Assets

profitability

Value: 2.10%

Peer Median: 1.32%

#297 of 2643 Top 11.2% in $100M-$1B

298

Non-Interest-Bearing Deposit Share

funding

Value: 33.69%

Peer Median: 22.03%

#298 of 2643 Top 11.2% in $100M-$1B

Top Weaknesses (3 metrics)

2451

Total Loans

size

Value: $70.19M

Peer Median: $258.35M

#2451 of 2643 Bottom 7.3% in $100M-$1B

2317

Total Assets

size

Value: $143.47M

Peer Median: $386.57M

#2317 of 2643 Bottom 12.4% in $100M-$1B

2225

Total Deposits

size

Value: $131.35M

Peer Median: $326.73M

#2225 of 2643 Bottom 15.9% in $100M-$1B