BlastPoint's Banking Scorecard
Central National Bank
Designations: ✓ Community bank
Junction City, KS
35 branches across KS · NE
Central National Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 47.1% in tier
- + Delinquency Rate 0.86% below tier average
- + Nonperforming Asset Ratio 0.64% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.07% below tier average
- - Net Interest Margin 0.05% below tier average
- - Efficiency Ratio 2.74% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.4B
+8.8% YoY
-2.5% QoQ
|
-$1.4B |
$2.8B
-0.1% YoY
|
$509.2M
+7.2% YoY
|
$6.2B
+9.1% YoY
|
28% |
| Total Loans ? |
$767.4M
+6.2% YoY
-0.2% QoQ
|
-$1.2B |
$2.0B
+0.6% YoY
|
$338.5M
+8.8% YoY
|
$3.2B
+10.8% YoY
|
Bottom 11.5% in tier |
| Total Deposits ? |
$1.2B
+6.1% YoY
-4.0% QoQ
|
-$1.2B |
$2.3B
-0.3% YoY
|
$424.4M
+7.3% YoY
|
$4.8B
+8.2% YoY
|
29% |
| Return on Assets ? |
1.30%
+18.7% YoY
+14.5% QoQ
|
-0.07% |
1.37%
+19.6% YoY
|
1.40%
+19.8% YoY
|
1.23%
+13.4% YoY
|
56% |
| Net Interest Margin ? |
3.76%
+7.9% YoY
+1.8% QoQ
|
-0.05% |
3.82%
+6.9% YoY
|
3.92%
+4.5% YoY
|
3.89%
+5.7% YoY
|
58% |
| Efficiency Ratio ? |
63.80%
-7.9% YoY
-6.6% QoQ
|
+2.74% |
61.06%
-4.6% YoY
|
62.29%
-5.0% YoY
|
66.95%
-4.1% YoY
|
38% |
| Delinquency Rate ? |
0.03%
-9.0% YoY
-30.9% QoQ
|
-0.86% |
0.89%
+14.1% YoY
|
0.77%
+10.4% YoY
|
0.95%
+18.8% YoY
|
Top 4.7% in tier |
| Loan-to-Deposit Ratio ? |
64.52%
+0.1% YoY
+4.0% QoQ
|
-19.68% |
84.20%
+0.3% YoY
|
71.79%
+1.2% YoY
|
76.70%
+0.9% YoY
|
Top 11.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.03%
-10.6% YoY
+7.4% QoQ
|
-1.25% |
21.29%
-2.5% YoY
|
22.83%
-2.0% YoY
|
22.01%
-1.2% YoY
|
53% |
| Nonperforming Asset Ratio ? |
0.03%
-50.0% YoY
-16.5% QoQ
|
-0.64% |
0.67%
+15.6% YoY
|
0.51%
+12.5% YoY
|
0.67%
+19.3% YoY
|
Top 6.2% in tier |
| Tier 1 Capital Ratio ? |
10.81%
-3.1% YoY
-2.4% QoQ
|
-4.35% |
15.16%
+2.0% YoY
|
17.98%
-0.9% YoY
|
17.06%
+0.8% YoY
|
Bottom 14.0% in tier |
| Non-Interest Income / Assets ? |
0.34%
+4.1% YoY
-71.8% QoQ
|
+0.08% |
0.26%
+1.6% YoY
|
0.28%
-1.8% YoY
|
0.32%
+4.1% YoY
|
Top 10.9% in tier |
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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 (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.