BlastPoint's Banking Scorecard

The Citizens National Bank

$100M-$1B Specialty: Agricultural KS FDIC cert 4678

Greenleaf, KS

7 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 +3.4% year over year ($214.7M on the books).
Delinquency rate 0.00%.
Return on assets 0.91%.
Efficiency ratio 70.22% vs a 64.48% peer average.
Loan-to-deposit ratio 50.60% 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 Citizens National Bank has 2 strengths but faces 3 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

+ Credit Quality Leader: Top 46.6% in tier
+ Nonperforming Asset Ratio 0.67% below tier average

Key Concerns

Areas that may need attention

- ROA 0.41% below tier average
- Net Interest Margin 0.74% below tier average
- Efficiency Ratio 5.74% above tier average

Get updates when The Citizens 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 ?	$229.0M +2.8% YoY -1.3% QoQ	-$157.6M	$386.6M +1.2% YoY	$513.9M +7.1% YoY	$6.3B +7.7% YoY	33%
Total Loans ?	$108.6M +16.9% YoY +1.8% QoQ	-$149.7M	$258.3M +1.7% YoY	$343.7M +7.8% YoY	$3.2B +9.4% YoY	22%
Total Deposits ?	$214.7M +3.4% YoY +0.2% QoQ	-$112.1M	$326.7M +0.7% YoY	$426.3M +7.4% YoY	$4.9B +7.3% YoY	38%
Return on Assets ?	0.91% +26.3% YoY +19.9% QoQ	-0.41%	1.32% +10.8% YoY	1.56% +14.6% YoY	1.30% +12.1% YoY	29%
Net Interest Margin ?	3.24% +13.5% YoY +2.0% QoQ	-0.74%	3.99% +5.0% YoY	3.99% +4.5% YoY	3.95% +4.9% YoY	17%
Efficiency Ratio ?	70.22% -6.3% YoY -4.9% QoQ	+5.74%	64.48% -3.2% YoY	60.13% -4.7% YoY	70.05% +2.5% YoY	29%
Delinquency Rate ?	0.00%	-0.92%	0.92% +15.7% YoY	0.82% +9.9% YoY	0.98% +16.3% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	50.60% +13.1% YoY +1.6% QoQ	-27.36%	77.95% +1.0% YoY	72.94% +0.4% YoY	79.03% +2.3% YoY	Top 8.6% in tier
Non-Interest-Bearing Deposit Share ?	17.81% -4.4% YoY -12.0% QoQ	-4.22%	22.03% -0.6% YoY	22.01% -1.4% YoY	21.98% -0.6% YoY	35%
Nonperforming Asset Ratio ?	0.00%	-0.67%	0.67% +16.4% YoY	0.53% +8.8% YoY	0.69% +15.8% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	15.88% -23.4% YoY -16.1% QoQ	-0.03%	15.91% +1.4% YoY	17.75% -1.2% YoY	17.09% +0.8% YoY	71%
Non-Interest Income / Assets ?	0.43% +14.8% YoY +144.3% QoQ	-0.14%	0.57% +7.6% YoY	0.59% -1.1% YoY	0.66% +5.2% YoY	Top 12.4% 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	17.8% -0.8pp YoY -2.4pp QoQ	-4.3pp	22.1%	22.3%	22.2%	35%
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	5.1% -0.4pp YoY -0.2pp QoQ	-6.4pp	11.6%	12.6%	12.5%	20%
CRE	15.7% +5.9pp YoY -0.2pp QoQ	-23.9pp	39.5%	28.8%	41.4%	11%
1-4 Family	24.1% -1.0pp YoY -0.3pp QoQ	-8.5pp	32.6%	26.7%	31.3%	39%
Consumer	4.0% -0.6pp YoY -0.3pp QoQ	-0.1pp	4.1%	4.6%	5.0%	70%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
CET1 Ratio	15.9% -4.8pp YoY -3.0pp QoQ	-2.9pp	18.8%	23.3%	19.7%	57%
Leverage Ratio	8.7% -1.9pp YoY -1.8pp QoQ	-3.5pp	12.2%	12.6%	12.6%	8%
Total Capital Ratio	17.1% -4.9pp YoY -3.1pp QoQ	-2.8pp	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	48 0 YoY 0 QoQ	-11	58	70	482	50%
Assets per Employee ($)	$4.8M +2.8% YoY -1.3% QoQ	-$2.7M	$7.5M	$7.1M	$8.8M	11%
Branch Count	7 0 YoY 0 QoQ	+2	4	6	18	75%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.4%	0.4%	n/a
Nonaccrual	n/a	n/a	0.9%	0.8%	1.0%	n/a
Allowance Coverage	n/a	n/a	24.15x	22.44x	20.23x	n/a
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	39%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
ROE	13.1% +1.7pp YoY +3.0pp QoQ	+0.9pp	12.2%	14.3%	11.6%	56%
Cost of Funds (YTD)	1.2% -0.1pp YoY 0.0pp QoQ	-0.5pp	1.7%	1.6%	1.7%	22%
Net Income ($, YTD)	$1.0M +32.2% YoY — QoQ	-$1.5M	$2.6M	$3.7M	$40.4M	28%

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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)

Credit Quality Leader

growth

#308 of 659 • Top 46.6% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.92%, National: 0.98%)

better than tier avg

659 of 659 Community banks match · 920 nationally

→ Stable +1 banks QoQ | 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 (4 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.92%

#1 of 2633 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

#1 of 2643 Top 0.1% in $100M-$1B

227

Loan-to-Deposit Ratio

liquidity

Value: 50.60%

Peer Median: 77.95%

#227 of 2643 Top 8.6% in $100M-$1B

328

Non-Interest Income / Assets

revenue_mix

Value: 0.43%

Peer Median: 0.57%

#328 of 2643 Top 12.4% in $100M-$1B

Top Weaknesses (2 metrics)

2185

Net Interest Margin

profitability

Value: 3.24%

Peer Median: 3.99%

#2185 of 2643 Bottom 17.4% in $100M-$1B

2069

Total Loans

size

Value: $108.61M

Peer Median: $258.35M

#2069 of 2643 Bottom 21.8% in $100M-$1B