BlastPoint's Banking Scorecard

Central National Bank

$1B-$10B Specialty: Agricultural KS FDIC cert 4702

Designations: ✓ Community bank

Junction City, KS

35 branches across KS · NE

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 +8.4% year over year ($1.2B on the books).
Delinquency rate 0.01%.
Return on assets 1.33%.
Efficiency ratio 63.94% vs a 59.73% peer average.
Loan-to-deposit ratio 65.53% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 20 in KS

View $1B-$10B leaderboard (KS) →

Central National Bank has 3 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

+ Revenue Diversifier: Top 50.0% in tier
+ Delinquency Rate 0.85% below tier average
+ Nonperforming Asset Ratio 0.65% below tier average

Key Concerns

Areas that may need attention

- NIB Deposit Bleed: Bottom 50.0% in tier
- ROA 0.06% below tier average
- Efficiency Ratio 4.21% above tier average

Get updates when Central 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 ?	$1.4B +6.7% YoY +0.9% QoQ	-$1.4B	$2.8B -0.6% YoY	$513.9M +7.1% YoY	$6.3B +7.7% YoY	28%
Total Loans ?	$784.9M +3.1% YoY +2.3% QoQ	-$1.2B	$2.0B -0.3% YoY	$343.7M +7.8% YoY	$3.2B +9.4% YoY	Bottom 13.1% in tier
Total Deposits ?	$1.2B +8.4% YoY +0.7% QoQ	-$1.1B	$2.3B -0.5% YoY	$426.3M +7.4% YoY	$4.9B +7.3% YoY	30%
Return on Assets ?	1.33% +23.9% YoY +2.5% QoQ	-0.06%	1.39% +17.0% YoY	1.56% +14.6% YoY	1.30% +12.1% YoY	57%
Net Interest Margin ?	3.83% +6.5% YoY +1.8% QoQ	-0.04%	3.87% +6.2% YoY	3.99% +4.5% YoY	3.95% +4.9% YoY	58%
Efficiency Ratio ?	63.94% -8.4% YoY +0.2% QoQ	+4.21%	59.73% -12.6% YoY	60.13% -4.7% YoY	70.05% +2.5% YoY	35%
Delinquency Rate ?	0.01% -68.6% YoY -56.4% QoQ	-0.85%	0.87% +11.7% YoY	0.82% +9.9% YoY	0.98% +16.3% YoY	Top 4.2% in tier
Loan-to-Deposit Ratio ?	65.53% -4.9% YoY +1.6% QoQ	-19.51%	85.04% -0.1% YoY	72.94% +0.4% YoY	79.03% +2.3% YoY	Top 11.1% in tier
Non-Interest-Bearing Deposit Share ?	17.84% -16.4% YoY -11.0% QoQ	-3.44%	21.27% -1.5% YoY	22.01% -1.4% YoY	21.98% -0.6% YoY	39%
Nonperforming Asset Ratio ?	0.02% -66.5% YoY -28.7% QoQ	-0.65%	0.67% +11.7% YoY	0.53% +8.8% YoY	0.69% +15.8% YoY	Top 5.9% in tier
Tier 1 Capital Ratio ?	11.00% -2.9% YoY +1.7% QoQ	-3.85%	14.84% -0.4% YoY	17.75% -1.2% YoY	17.09% +0.8% YoY	18%
Non-Interest Income / Assets ?	0.66% +3.0% YoY +96.1% QoQ	+0.14%	0.53% +2.5% YoY	0.59% -1.1% YoY	0.66% +5.2% YoY	Top 11.6% 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% -3.5pp YoY -2.2pp QoQ	-3.5pp	21.4%	22.3%	22.2%	39%
Brokered Deposits	n/a	n/a	9.5%	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	5.2% -0.2pp YoY +0.1pp QoQ	-8.8pp	14.0%	12.6%	12.5%	19%
CRE	49.1% -1.4pp YoY -0.7pp QoQ	-0.9pp	50.0%	28.8%	41.4%	47%
1-4 Family	15.3% +2.2pp YoY +0.3pp QoQ	-11.2pp	26.4%	26.7%	31.3%	31%
Consumer	2.0% -0.1pp YoY -0.1pp QoQ	-2.7pp	4.7%	4.6%	5.0%	63%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	15.6%	23.3%	19.7%	n/a
Leverage Ratio	11.0% -0.3pp YoY +0.2pp QoQ	-0.3pp	11.3%	12.6%	12.6%	60%
Total Capital Ratio	n/a	n/a	16.7%	24.4%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Full-Time Employees	257 +1 (+0.4%) YoY -7 (-2.7%) QoQ	-57	313	70	482	57%
Assets per Employee ($)	$5.4M +6.3% YoY +3.7% QoQ	-$5.1M	$10.5M	$7.1M	$8.8M	7%
Branch Count	35 0 YoY 0 QoQ	+15	20	6	18	86%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.2%	0.4%	0.4%	34%
Nonaccrual	n/a	n/a	0.8%	0.8%	1.0%	n/a
Allowance Coverage	160.42x +211.7% YoY +125.5% QoQ	+141.71x	18.71x	22.44x	20.23x	99%
Net Charge-off Rate (YTD)	0.2% +0.2pp YoY -0.2pp QoQ	-0.1pp	0.3%	0.1%	0.2%	76%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
ROE	13.6% +2.6pp YoY +0.1pp QoQ	+1.0pp	12.6%	14.3%	11.6%	62%
Cost of Funds (YTD)	1.7% -0.1pp YoY 0.0pp QoQ	-0.2pp	1.9%	1.6%	1.7%	36%
Net Income ($, YTD)	$9.3M +35.2% YoY — QoQ	-$10.0M	$19.2M	$3.7M	$40.4M	36%

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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

#112 of 222 • Top 50.0% 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: 0.66%

(Tier: 0.53%, National: 0.66%)

better than tier avg

Return on Assets: 1.33%

(Tier: 1.39%, National: 1.30%)

but worse than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | QoQ rank declining

Concerns (1)

NIB Deposit Bleed

decline

#24 of 46 • Bottom 50.0% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 17.84%

(Tier: 21.27%, National: 21.98%)

worse than tier avg

46 of 46 Mid-Market banks match · 211 nationally

↓ Shrinking -26 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 885 peers in $1B-$10B

Top Strengths (4 metrics)

Delinquency Rate

credit_quality

Value: 0.01%

Peer Median: 0.87%

#38 of 882 Top 4.2% in $1B-$10B

Nonperforming Asset Ratio

credit_quality

Value: 0.02%

Peer Median: 0.67%

#53 of 885 Top 5.9% in $1B-$10B

Loan-to-Deposit Ratio

liquidity

Value: 65.53%

Peer Median: 85.04%

#99 of 885 Top 11.1% in $1B-$10B

104

Non-Interest Income / Assets

revenue_mix

Value: 0.66%

Peer Median: 0.53%

#104 of 885 Top 11.6% in $1B-$10B

Top Weaknesses (2 metrics)

770

Total Loans

size

Value: $784.85M

Peer Median: $1.96B

#770 of 885 Bottom 13.1% in $1B-$10B

726

Tier 1 Capital Ratio

capital

Value: 11.00%

Peer Median: 14.84%

#726 of 885 Bottom 18.1% in $1B-$10B