BlastPoint's Banking Scorecard

The Citizens National Bank of Bluffton

$1B-$10B Specialty: Commercial OH FDIC cert 6531

Designations: ✓ Community bank

Bluffton, OH

12 branches across OH

884 banks in the $1B-$10B peer group nationally 28 in OH

The Citizens National Bank of Bluffton has 4 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

+ Profitability Leader: Top 43.0% in tier
+ Net Interest Margin 0.57% above tier average
+ Efficiency Ratio 10.44% below tier average
+ Delinquency Rate 0.20% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 35.3% in tier
- Liquidity Strain: Bottom 42.5% in tier
- Credit Risk Growth: Bottom 42.9% in tier

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Total Assets ?	$1.1B +2.5% YoY +0.2% QoQ	-$1.7B	$2.8B -0.1% YoY	$35.8B +10.6% YoY	$6.2B +9.1% YoY	Bottom 7.9% in tier
Total Loans ?	$857.5M +2.7% YoY +0.2% QoQ	-$1.1B	$2.0B +0.6% YoY	$15.7B +12.8% YoY	$3.2B +10.8% YoY	20%
Total Deposits ?	$846.6M +2.1% YoY +6.6% QoQ	-$1.5B	$2.3B -0.3% YoY	$25.9B +8.5% YoY	$4.8B +8.2% YoY	Bottom 4.1% in tier
Return on Assets ?	2.39% +1.0% YoY -1.4% QoQ	+1.03%	1.37% +19.6% YoY	1.12% +9.9% YoY	1.23% +13.4% YoY	Top 4.4% in tier
Net Interest Margin ?	4.39% +3.5% YoY +0.1% QoQ	+0.57%	3.82% +6.9% YoY	3.58% +7.5% YoY	3.89% +5.7% YoY	85%
Efficiency Ratio ?	50.62% +6.9% YoY +5.3% QoQ	-10.44%	61.06% -4.6% YoY	72.65% -4.0% YoY	66.95% -4.1% YoY	78%
Delinquency Rate ?	0.69% +537.9% YoY +9.8% QoQ	-0.20%	0.89% +14.1% YoY	0.65% +14.5% YoY	0.95% +18.8% YoY	41%
Loan-to-Deposit Ratio ?	101.28% +0.7% YoY -6.0% QoQ	+17.08%	84.20% +0.3% YoY	79.14% +0.8% YoY	76.70% +0.9% YoY	Bottom 11.0% in tier
Non-Interest-Bearing Deposit Share ?	24.90% -2.0% YoY +4.8% QoQ	+3.61%	21.29% -2.5% YoY	18.08% -0.4% YoY	22.01% -1.2% YoY	71%
Nonperforming Asset Ratio ?	0.55% +539.5% YoY +9.8% QoQ	-0.13%	0.67% +15.6% YoY	0.44% +14.5% YoY	0.67% +19.3% YoY	41%
Tier 1 Capital Ratio ?	11.44% +0.6% YoY +0.0% QoQ	-3.72%	15.16% +2.0% YoY	19.44% +3.1% YoY	17.06% +0.8% YoY	23%
Non-Interest Income / Assets ?	0.15% +4.6% YoY -74.8% QoQ	-0.11%	0.26% +1.6% YoY	0.57% -2.4% YoY	0.32% +4.1% YoY	54%

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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

#96 of 221 • Top 43.0% in tier

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

Why this signature

Return on Assets: 2.39%

(Tier: 1.37%, National: 1.23%)

better than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Concerns (3)

Capital Thin

risk

#79 of 221 • Bottom 35.3% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 11.44%

(Tier: 15.16%, National: 17.06%)

worse than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Liquidity Strain

risk

#143 of 334 • Bottom 42.5% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 101.28%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

334 of 334 Mid-Market banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Credit Risk Growth

risk

#181 of 420 • Bottom 42.9% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

420 of 420 Mid-Market banks match · 1464 nationally

→ Stable -10 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 884 peers in $1B-$10B

Top Strengths (3 metrics)

Return on Assets

profitability

Value: 2.39%

Peer Median: 1.37%

#40 of 884 Top 4.4% in $1B-$10B

134

Net Interest Margin

profitability

Value: 4.39%

Peer Median: 3.82%

#134 of 884 Top 15.0% in $1B-$10B

198

Efficiency Ratio

profitability

Value: 50.62%

Peer Median: 61.06%

#198 of 884 Top 22.3% in $1B-$10B

Top Weaknesses (5 metrics)

849

Total Deposits

size

Value: $846.63M

Peer Median: $2.34B

#849 of 884 Bottom 4.1% in $1B-$10B

815

Total Assets

size

Value: $1.08B

Peer Median: $2.82B

#815 of 884 Bottom 7.9% in $1B-$10B

788

Loan-to-Deposit Ratio

liquidity

Value: 101.28%

Peer Median: 84.20%

#788 of 884 Bottom 11.0% in $1B-$10B

710

Total Loans

size

Value: $857.51M

Peer Median: $1.96B

#710 of 884 Bottom 19.8% in $1B-$10B

686

Tier 1 Capital Ratio

capital

Value: 11.44%

Peer Median: 15.16%

#686 of 884 Bottom 22.5% in $1B-$10B