BlastPoint's Banking Scorecard
The Citizens National Bank of McConnelsville
Mcconnelsville, OH
2 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 -8.0% year over year ($85.2M on the books).
- Delinquency rate 1.68%.
- Return on assets 0.91%.
- Efficiency ratio 73.83% vs a 64.48% peer average.
- Loan-to-deposit ratio 83.81% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Citizens National Bank of McConnelsville has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.51% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.41% below tier average
- - Efficiency Ratio 9.35% above tier average
- - Delinquency Rate 0.76% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$102.1M
-8.2% YoY
-3.9% QoQ
|
-$284.4M |
$386.6M
+1.2% YoY
|
$36.7B
+9.4% YoY
|
$6.3B
+7.7% YoY
|
Bottom 0.5% in tier |
| Total Loans ? |
$71.4M
-5.0% YoY
-3.1% QoQ
|
-$186.9M |
$258.3M
+1.7% YoY
|
$16.2B
+12.1% YoY
|
$3.2B
+9.4% YoY
|
Bottom 7.4% in tier |
| Total Deposits ? |
$85.2M
-8.0% YoY
-1.7% QoQ
|
-$241.5M |
$326.7M
+0.7% YoY
|
$26.4B
+7.6% YoY
|
$4.9B
+7.3% YoY
|
Bottom 1.5% in tier |
| Return on Assets ? |
0.91%
-23.9% YoY
+11.2% QoQ
|
-0.41% |
1.32%
+10.8% YoY
|
1.21%
+9.4% YoY
|
1.30%
+12.1% YoY
|
29% |
| Net Interest Margin ? |
4.50%
+11.4% YoY
+3.7% QoQ
|
+0.51% |
3.99%
+5.0% YoY
|
3.65%
+6.4% YoY
|
3.95%
+4.9% YoY
|
80% |
| Efficiency Ratio ? |
73.83%
+7.2% YoY
-2.3% QoQ
|
+9.35% |
64.48%
-3.2% YoY
|
70.70%
-3.8% YoY
|
70.05%
+2.5% YoY
|
22% |
| Delinquency Rate ? |
1.68%
+181.6% YoY
-18.1% QoQ
|
+0.76% |
0.92%
+15.7% YoY
|
0.68%
+23.3% YoY
|
0.98%
+16.3% YoY
|
17% |
| Loan-to-Deposit Ratio ? |
83.81%
+3.2% YoY
-1.4% QoQ
|
+5.86% |
77.95%
+1.0% YoY
|
79.88%
+0.7% YoY
|
79.03%
+2.3% YoY
|
41% |
| Non-Interest-Bearing Deposit Share ? |
21.28%
+15.6% YoY
+3.9% QoQ
|
-0.75% |
22.03%
-0.6% YoY
|
18.59%
+0.9% YoY
|
21.98%
-0.6% YoY
|
51% |
| Nonperforming Asset Ratio ? |
1.17%
+56.5% YoY
-17.4% QoQ
|
+0.50% |
0.67%
+16.4% YoY
|
0.46%
+23.9% YoY
|
0.69%
+15.8% YoY
|
17% |
| Tier 1 Capital Ratio ? |
12.24%
+8.8% YoY
+1.8% QoQ
|
-3.67% |
15.91%
+1.4% YoY
|
18.68%
-0.2% YoY
|
17.09%
+0.8% YoY
|
38% |
| Non-Interest Income / Assets ? |
0.16%
-61.3% YoY
+66.9% QoQ
|
-0.41% |
0.57%
+7.6% YoY
|
1.22%
+2.7% YoY
|
0.66%
+5.2% YoY
|
37% |
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 |
21.3%
+2.9pp YoY +0.8pp QoQ |
-0.9pp | 22.1% | 18.8% | 22.2% | 51% |
| Brokered Deposits |
5.5%
+3.9pp YoY +0.1pp QoQ |
-2.4pp | 7.9% | 7.7% | 8.5% | 55% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
7.5%
-0.2pp YoY 0.0pp QoQ |
-4.1pp | 11.6% | 10.2% | 12.5% | 36% |
| CRE |
11.8%
-2.1pp YoY +0.6pp QoQ |
-27.7pp | 39.5% | 34.2% | 41.4% | 7% |
| 1-4 Family |
71.9%
+2.2pp YoY -0.8pp QoQ |
+39.2pp | 32.6% | 50.0% | 31.3% | 95% |
| Consumer |
6.5%
-0.5pp YoY +0.2pp QoQ |
+2.4pp | 4.1% | 4.7% | 5.0% | 84% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 22.1% | 19.7% | n/a |
| Leverage Ratio |
12.2%
+1.0pp YoY +0.2pp QoQ |
+0.1pp | 12.2% | 12.9% | 12.6% | 67% |
| Total Capital Ratio | n/a | n/a | 19.9% | 23.2% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
25
-2 (-7.4%) YoY 0 QoQ |
-34 | 58 | 2,433 | 482 | 19% |
| Assets per Employee ($) |
$4.1M
-0.9% YoY -3.9% QoQ |
-$3.4M | $7.5M | $7.6M | $8.8M | 5% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 81 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.3%
0.0pp YoY -0.2pp QoQ |
0.0pp | 0.3% | 0.2% | 0.4% | 72% |
| Nonaccrual |
1.4%
+1.1pp YoY -0.2pp QoQ |
+0.5pp | 0.9% | 0.6% | 1.0% | 80% |
| Allowance Coverage |
0.64x
-63.8% YoY +26.9% QoQ |
-23.51x | 24.15x | 18.95x | 20.23x | 15% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.1% | 0.2% | 9% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
8.5%
-4.3pp YoY +0.7pp QoQ |
-3.7pp | 12.2% | 9.7% | 11.6% | 28% |
| Cost of Funds (YTD) |
1.6%
-0.4pp YoY 0.0pp QoQ |
-0.2pp | 1.7% | 1.7% | 1.7% | 40% |
| Net Income ($, YTD) |
$483,000
-27.0% YoY — QoQ |
-$2.1M | $2.6M | $259.3M | $40.4M | 10% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.