BlastPoint's Banking Scorecard
Kingston National Bank
Kingston, OH
7 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 96 in OH.
- Deposits +2.5% year over year ($536.2M on the books).
- Delinquency rate 0.27%.
- Return on assets 0.84%.
- Efficiency ratio 69.74% vs a 64.48% peer average.
- Loan-to-deposit ratio 74.51% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Kingston National Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 18.1% in tier
- - ROA 0.48% below tier average
- - Net Interest Margin 0.64% below tier average
- - Efficiency Ratio 5.26% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$586.3M
+3.2% YoY
+0.6% QoQ
|
+$199.7M |
$386.6M
+1.2% YoY
|
$36.7B
+9.4% YoY
|
$6.3B
+7.7% YoY
|
80% |
| Total Loans ? |
$399.5M
+0.0% YoY
+0.6% QoQ
|
+$141.1M |
$258.3M
+1.7% YoY
|
$16.2B
+12.1% YoY
|
$3.2B
+9.4% YoY
|
79% |
| Total Deposits ? |
$536.2M
+2.5% YoY
+0.4% QoQ
|
+$209.4M |
$326.7M
+0.7% YoY
|
$26.4B
+7.6% YoY
|
$4.9B
+7.3% YoY
|
83% |
| Return on Assets ? |
0.84%
+24.7% YoY
-3.2% QoQ
|
-0.48% |
1.32%
+10.8% YoY
|
1.21%
+9.4% YoY
|
1.30%
+12.1% YoY
|
26% |
| Net Interest Margin ? |
3.35%
+9.2% YoY
-0.5% QoQ
|
-0.64% |
3.99%
+5.0% YoY
|
3.65%
+6.4% YoY
|
3.95%
+4.9% YoY
|
22% |
| Efficiency Ratio ? |
69.74%
-5.5% YoY
+2.3% QoQ
|
+5.26% |
64.48%
-3.2% YoY
|
70.70%
-3.8% YoY
|
70.05%
+2.5% YoY
|
31% |
| Delinquency Rate ? |
0.27%
+28.0% YoY
+4.9% QoQ
|
-0.64% |
0.92%
+15.7% YoY
|
0.68%
+23.3% YoY
|
0.98%
+16.3% YoY
|
59% |
| Loan-to-Deposit Ratio ? |
74.51%
-2.5% YoY
+0.2% QoQ
|
-3.45% |
77.95%
+1.0% YoY
|
79.88%
+0.7% YoY
|
79.03%
+2.3% YoY
|
61% |
| Non-Interest-Bearing Deposit Share ? |
19.71%
+6.9% YoY
+1.9% QoQ
|
-2.32% |
22.03%
-0.6% YoY
|
18.59%
+0.9% YoY
|
21.98%
-0.6% YoY
|
45% |
| Nonperforming Asset Ratio ? |
0.19%
+24.1% YoY
+5.0% QoQ
|
-0.48% |
0.67%
+16.4% YoY
|
0.46%
+23.9% YoY
|
0.69%
+15.8% YoY
|
62% |
| Tier 1 Capital Ratio ? |
13.37%
+6.8% YoY
+2.8% QoQ
|
-2.54% |
15.91%
+1.4% YoY
|
18.68%
-0.2% YoY
|
17.09%
+0.8% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.17%
-1.4% YoY
+98.4% QoQ
|
-0.39% |
0.57%
+7.6% YoY
|
1.22%
+2.7% YoY
|
0.66%
+5.2% YoY
|
42% |
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 |
19.7%
+1.3pp YoY +0.4pp QoQ |
-2.4pp | 22.1% | 18.8% | 22.2% | 44% |
| Brokered Deposits | n/a | n/a | 7.9% | 7.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
9.3%
-0.9pp YoY +0.2pp QoQ |
-2.2pp | 11.6% | 10.2% | 12.5% | 48% |
| CRE |
21.0%
+3.2pp YoY +0.9pp QoQ |
-18.5pp | 39.5% | 34.2% | 41.4% | 20% |
| 1-4 Family |
36.6%
+1.6pp YoY -0.1pp QoQ |
+3.9pp | 32.6% | 50.0% | 31.3% | 64% |
| Consumer |
1.8%
-0.2pp YoY 0.0pp QoQ |
-2.3pp | 4.1% | 4.7% | 5.0% | 44% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.4%
+0.8pp YoY +0.4pp QoQ |
-5.5pp | 18.8% | 22.1% | 19.7% | 32% |
| Leverage Ratio |
9.2%
+0.3pp YoY 0.0pp QoQ |
-3.0pp | 12.2% | 12.9% | 12.6% | 15% |
| Total Capital Ratio |
14.4%
+0.9pp YoY +0.4pp QoQ |
-5.5pp | 19.9% | 23.2% | 20.8% | 32% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
82
-1 (-1.2%) YoY 0 QoQ |
+23 | 58 | 2,433 | 482 | 78% |
| Assets per Employee ($) |
$7.1M
+4.4% YoY +0.6% QoQ |
-$369K | $7.5M | $7.6M | $8.8M | 55% |
| Branch Count |
7
0 YoY 0 QoQ |
+2 | 4 | 81 | 18 | 75% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | 0.0% | -0.3pp | 0.3% | 0.2% | 0.4% | 4% |
| Nonaccrual |
0.3%
+0.1pp YoY 0.0pp QoQ |
-0.7pp | 0.9% | 0.6% | 1.0% | 36% |
| Allowance Coverage |
3.74x
-17.7% YoY -4.4% QoQ |
-20.41x | 24.15x | 18.95x | 20.23x | 63% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.1% | 0.2% | 16% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.1%
+1.2pp YoY -0.4pp QoQ |
-1.1pp | 12.2% | 9.7% | 11.6% | 44% |
| Cost of Funds (YTD) |
1.8%
-0.3pp YoY 0.0pp QoQ |
0.0pp | 1.7% | 1.7% | 1.7% | 55% |
| Net Income ($, YTD) |
$2.5M
+28.5% YoY — QoQ |
-$99K | $2.6M | $259.3M | $40.4M | 61% |
Get Full Access to Kingston National Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (0)
Concerns (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.