BlastPoint's Banking Scorecard
The Citizens National Bank of McConnelsville
Mcconnelsville, OH
2 branches across OH
The Citizens National Bank of McConnelsville has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.41% above tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 0.7% in tier
- - Capital Constraint: Bottom 1.8% in tier
- - Deposit Outflow: Bottom 42.7% in tier
- - Efficiency Ratio 10.26% above tier average
- - Delinquency Rate 1.16% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$106.3M
-3.3% YoY
-2.6% QoQ
|
-$279.8M |
$386.1M
+0.5% YoY
|
$35.8B
+10.6% YoY
|
$6.2B
+9.1% YoY
|
Bottom 2.1% in tier |
| Total Loans ? |
$73.7M
-3.2% YoY
-2.4% QoQ
|
-$182.0M |
$255.7M
+1.1% YoY
|
$15.7B
+12.8% YoY
|
$3.2B
+10.8% YoY
|
Bottom 8.6% in tier |
| Total Deposits ? |
$86.7M
-4.9% YoY
-1.6% QoQ
|
-$241.3M |
$328.0M
+0.1% YoY
|
$25.9B
+8.5% YoY
|
$4.8B
+8.2% YoY
|
Bottom 1.7% in tier |
| Return on Assets ? |
0.82%
-40.4% YoY
-22.0% QoQ
|
-0.45% |
1.27%
+12.9% YoY
|
1.12%
+9.9% YoY
|
1.23%
+13.4% YoY
|
27% |
| Net Interest Margin ? |
4.34%
+13.9% YoY
+3.9% QoQ
|
+0.41% |
3.93%
+6.0% YoY
|
3.58%
+7.5% YoY
|
3.89%
+5.7% YoY
|
75% |
| Efficiency Ratio ? |
75.55%
+11.6% YoY
+7.2% QoQ
|
+10.26% |
65.29%
-4.5% YoY
|
72.65%
-4.0% YoY
|
66.95%
-4.1% YoY
|
21% |
| Delinquency Rate ? |
2.05%
+183.9% YoY
-3.0% QoQ
|
+1.16% |
0.89%
+18.8% YoY
|
0.65%
+14.5% YoY
|
0.95%
+18.8% YoY
|
Bottom 12.1% in tier |
| Loan-to-Deposit Ratio ? |
85.04%
+1.8% YoY
-0.8% QoQ
|
+8.40% |
76.64%
+0.8% YoY
|
79.14%
+0.8% YoY
|
76.70%
+0.9% YoY
|
35% |
| Non-Interest-Bearing Deposit Share ? |
20.48%
+4.9% YoY
-3.0% QoQ
|
-1.54% |
22.02%
-1.0% YoY
|
18.08%
-0.4% YoY
|
22.01%
-1.2% YoY
|
47% |
| Nonperforming Asset Ratio ? |
1.42%
+184.2% YoY
-21.0% QoQ
|
+0.78% |
0.64%
+19.7% YoY
|
0.44%
+14.5% YoY
|
0.67%
+19.3% YoY
|
Bottom 12.5% in tier |
| Tier 1 Capital Ratio ? |
12.03%
+10.0% YoY
+5.1% QoQ
|
-3.80% |
15.83%
+1.5% YoY
|
19.44%
+3.1% YoY
|
17.06%
+0.8% YoY
|
36% |
| Non-Interest Income / Assets ? |
0.10%
-69.6% YoY
-84.7% QoQ
|
-0.18% |
0.28%
+9.3% YoY
|
0.57%
-2.4% YoY
|
0.32%
+4.1% YoY
|
49% |
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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 (0)
Concerns (3)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.