BlastPoint's Banking Scorecard
The Citizens National Bank of Bluffton
Designations: ✓ Community bank
Bluffton, OH
12 branches across OH
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 28 in OH.
- Deposits +7.2% year over year ($863.6M on the books).
- Delinquency rate 0.67%.
- Return on assets 2.45%.
- Efficiency ratio 49.89% vs a 59.73% peer average.
- Loan-to-deposit ratio 100.67% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Citizens National Bank of Bluffton has 4 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 50.0% in tier
- + Net Interest Margin 0.57% above tier average
- + Efficiency Ratio 9.84% below tier average
- + Delinquency Rate 0.20% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 30.6% in tier
- - Liquidity Strain: Bottom 40.4% in tier
- - Credit Risk Growth: Bottom 41.0% in tier
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+3.6% YoY
+2.4% QoQ
|
-$1.7B |
$2.8B
-0.6% YoY
|
$36.7B
+9.4% YoY
|
$6.3B
+7.7% YoY
|
Bottom 10.2% in tier |
| Total Loans ? |
$869.4M
+2.9% YoY
+1.4% QoQ
|
-$1.1B |
$2.0B
-0.3% YoY
|
$16.2B
+12.1% YoY
|
$3.2B
+9.4% YoY
|
20% |
| Total Deposits ? |
$863.6M
+7.2% YoY
+2.0% QoQ
|
-$1.5B |
$2.3B
-0.5% YoY
|
$26.4B
+7.6% YoY
|
$4.9B
+7.3% YoY
|
Bottom 4.6% in tier |
| Return on Assets ? |
2.45%
-1.7% YoY
+2.4% QoQ
|
+1.06% |
1.39%
+17.0% YoY
|
1.21%
+9.4% YoY
|
1.30%
+12.1% YoY
|
Top 4.4% in tier |
| Net Interest Margin ? |
4.45%
+3.0% YoY
+1.3% QoQ
|
+0.57% |
3.87%
+6.2% YoY
|
3.65%
+6.4% YoY
|
3.95%
+4.9% YoY
|
Top 14.6% in tier |
| Efficiency Ratio ? |
49.89%
+8.5% YoY
-1.5% QoQ
|
-9.84% |
59.73%
-12.6% YoY
|
70.70%
-3.8% YoY
|
70.05%
+2.5% YoY
|
77% |
| Delinquency Rate ? |
0.67%
+486.4% YoY
-2.4% QoQ
|
-0.20% |
0.87%
+11.7% YoY
|
0.68%
+23.3% YoY
|
0.98%
+16.3% YoY
|
40% |
| Loan-to-Deposit Ratio ? |
100.67%
-4.0% YoY
-0.6% QoQ
|
+15.63% |
85.04%
-0.1% YoY
|
79.88%
+0.7% YoY
|
79.03%
+2.3% YoY
|
Bottom 12.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
25.90%
+5.7% YoY
+4.0% QoQ
|
+4.62% |
21.27%
-1.5% YoY
|
18.59%
+0.9% YoY
|
21.98%
-0.6% YoY
|
74% |
| Nonperforming Asset Ratio ? |
0.53%
+482.4% YoY
-3.4% QoQ
|
-0.15% |
0.67%
+11.7% YoY
|
0.46%
+23.9% YoY
|
0.69%
+15.8% YoY
|
42% |
| Tier 1 Capital Ratio ? |
11.02%
-1.0% YoY
-3.7% QoQ
|
-3.83% |
14.84%
-0.4% YoY
|
18.68%
-0.2% YoY
|
17.09%
+0.8% YoY
|
19% |
| Non-Interest Income / Assets ? |
0.30%
+2.8% YoY
+100.5% QoQ
|
-0.23% |
0.53%
+2.5% YoY
|
1.22%
+2.7% YoY
|
0.66%
+5.2% YoY
|
52% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
25.9%
+1.4pp YoY +1.0pp QoQ |
+4.5pp | 21.4% | 18.8% | 22.2% | 74% |
| Brokered Deposits |
5.4%
-0.5pp YoY +2.2pp QoQ |
-4.1pp | 9.5% | 7.7% | 8.5% | 51% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
9.9%
-0.7pp YoY -0.6pp QoQ |
-4.1pp | 14.0% | 10.2% | 12.5% | 44% |
| CRE |
57.5%
-0.6pp YoY +0.9pp QoQ |
+7.5pp | 50.0% | 34.2% | 41.4% | 69% |
| 1-4 Family |
15.8%
+0.5pp YoY -0.1pp QoQ |
-10.6pp | 26.4% | 50.0% | 31.3% | 33% |
| Consumer |
0.4%
+0.1pp YoY +0.1pp QoQ |
-4.4pp | 4.7% | 4.7% | 5.0% | 26% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 15.6% | 22.1% | 19.7% | n/a |
| Leverage Ratio |
11.0%
-0.1pp YoY -0.4pp QoQ |
-0.3pp | 11.3% | 12.9% | 12.6% | 61% |
| Total Capital Ratio | n/a | n/a | 16.7% | 23.2% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
160
0 YoY -3 (-1.8%) QoQ |
-154 | 313 | 2,433 | 482 | 27% |
| Assets per Employee ($) |
$6.9M
+3.6% YoY +4.3% QoQ |
-$3.6M | $10.5M | $7.6M | $8.8M | 23% |
| Branch Count |
12
0 YoY 0 QoQ |
-8 | 20 | 81 | 18 | 39% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.7%
+0.6pp YoY 0.0pp QoQ |
-0.2pp | 0.8% | 0.6% | 1.0% | 61% |
| Allowance Coverage |
2.28x
-83.1% YoY +1.5% QoQ |
-16.43x | 18.71x | 18.95x | 20.23x | 53% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.1% | 0.2% | 11% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
24.8%
-1.8pp YoY +0.9pp QoQ |
+12.2pp | 12.6% | 9.7% | 11.6% | 96% |
| Cost of Funds (YTD) |
1.6%
-0.1pp YoY 0.0pp QoQ |
-0.4pp | 1.9% | 1.7% | 1.7% | 26% |
| Net Income ($, YTD) |
$13.3M
+0.7% YoY — QoQ |
-$5.9M | $19.2M | $259.3M | $40.4M | 54% |
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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)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (3)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.