Community National Bank & Trust
Community National Bank & Trust reported total assets of $2.5 bn at Q2 2026, up 12.1% on a year earlier, the 494th largest of 497 banks in our US coverage. The CET1 capital ratio at Community National Bank & Trust was 13.04%, and the uninsured share of Community National Bank & Trust was 16.59%. Source: FDIC Call Reports.
Key takeaways
- On return on equity (ROE), Community National Bank & Trust climbed from 336th to 191st among 500 US banks between and (1 = highest; FDIC Call Reports).
- Since , Community National Bank & Trust has taken over 4 institutions; the latest was Prairie Bank of Kansas on (FDIC Call Reports).
What sets Community National Bank & Trust apart
How large is Community National Bank & Trust?
The balance sheet of Community National Bank & Trust at : assets $2.5 bn, deposits $2.2 bn, net loans $1.7 bn (loans equal to 75.89% of deposits). Securities make up 17.5% of total assets at Community National Bank & Trust. Since , when Community National Bank & Trust held $972.9 mn, its assets grew 160.3%. In the year to , deposits at Community National Bank & Trust rose 10.8% while its total assets rose 12.1%. At , Community National Bank & Trust employed 505 full-time equivalent staff across 44 offices, about $5.0 mn of assets per employee and $50.2 mn of deposits per office.
How much funding at Community National Bank & Trust is uninsured?
At Community National Bank & Trust, uninsured deposits (above the FDIC limit) made up 16.59% of domestic deposits at (+2.01 pp on a year earlier); Community National Bank & Trust ranks 440th of 500 on this measure. In dollars, Community National Bank & Trust estimated $366.6 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.2 bn | +10.8% | 472nd of 499 |
| Net loans and leases | $1.7 bn | +11.1% | 476th of 500 |
| Loan-to-deposit ratio | 75.89% | +0.15 pp | 380th of 500 |
| Tier 1 leverage ratio | 8.97% | +0.52 pp | 436th of 500 |
| Total risk-based capital ratio | 14.24% | +0.87 pp | 227th of 448 |
| Net interest margin | 4.13% | +0.46 pp | 111th of 500 |
| Return on assets (ROA) | 1.17% | +0.45 pp | 321st of 500 |
| Efficiency ratio | 63.37% | -6.23 pp | 373rd of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $36.2 mn | Narrowed by $11.7 mn | |
| Noncurrent loans to total loans | 0.80% | -0.12 pp | 309th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.05% | -0.26 pp | 193rd of 500 (1 = lowest) |
US rank of Community National Bank & Trust: 1 = highest unless marked 1 = lowest.
Balance sheet
Community National Bank & Trust: assets, deposits and loans
- Total assets $2.5bn
- Deposits $2.2bn
- Net loans $1.7bn
Capital and securities
The CET1 ratio of Community National Bank & Trust stood at 13.04% in , +0.83 pp year on year. Low and high at Community National Bank & Trust since : 10.53% () to 13.10% (). Equity capital of Community National Bank & Trust at : $224.9 mn, or 8.9% of total assets. Community National Bank & Trust also reported a total capital ratio of 14.24% for , and a tier 1 leverage ratio of 8.97%.
The available-for-sale portfolio of Community National Bank & Trust showed an unrealized loss of $36.2 mn at ; the loss narrowed by $11.7 mn over the year.
Community National Bank & Trust: capital ratios
- Total capital 14%
- CET1 13%
- Tier 1 leverage 9.0%
Community National Bank & Trust: unrealized securities gains and losses
- Available for sale -$36mn
- Held to maturity $0
Profitability and loan quality
For the year to , Community National Bank & Trust earned a return on equity of 13.39%; return on assets: 1.17%. Net interest margin at Community National Bank & Trust: 4.13%, +0.46 pp in a year. Community National Bank & Trust net income: $14.6 mn, up 79.5% year on year. The efficiency ratio of Community National Bank & Trust was 63.37%: about 63 cents cost per revenue dollar, against 58 cents at the median peer.
At , noncurrent loans were 0.80% of total loans at Community National Bank & Trust; net charge-offs: 0.05% of average loans. Gross loans and leases at Community National Bank & Trust: $1.7 bn, up 11.1% in a year.
Community National Bank & Trust: profitability
- Return on equity 13%
- Net interest margin 4.1%
- Return on assets 1.2%
Peer group of Community National Bank & Trust
The peer group of Community National Bank & Trust is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 3 share the charter type of Community National Bank & Trust (national bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Kansas. Against them, Community National Bank & Trust shows CET1 ratio 13.04% against a peer median of 13.87%, return on equity 13.39% against a peer median of 14.38% and uninsured deposit share 16.59% against a peer median of 36.52%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Community National Bank | National bank | TX | $2.5 bn | 17.14% | 16.91% | 48.60% | |
| American National Bank & Trust | National bank | TX | $2.5 bn | 12.66% | 9.72% | 39.33% | |
| Bank Five Nine | State nonmember bank | WI | $2.5 bn | 12.13% | 14.51% | 14.76% | |
| Community National Bank & Trust | National bank | KS | $2.5 bn | 13.04% | 13.39% | 16.59% | |
| South Shore Bank | State member bank | MA | $2.5 bn | 13.87% | 7.42% | 45.08% | |
| United Bank of Iowa | State nonmember bank | IA | $2.5 bn | not reported | 14.25% | 18.23% | |
| Esquire Bank | National bank | NY | $2.5 bn | 14.24% | 21.06% | 33.71% | |
. FDIC Call Reports.
Last eight quarters
Two years at Community National Bank & Trust, to : assets +13.1%, deposits +15.0%, equity +25.4%. Staff 494 to 505; offices 40 to 44.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $2.2 bn | $2.2 bn | $2.3 bn | $2.3 bn | $2.4 bn | $2.5 bn | $2.5 bn | $2.5 bn |
| Total deposits | $1.9 bn | $1.9 bn | $2.0 bn | $2.0 bn | $2.1 bn | $2.1 bn | $2.2 bn | $2.2 bn |
| Bank equity capital | $179.3 mn | $174.4 mn | $179.0 mn | $178.2 mn | $207.4 mn | $213.7 mn | $216.1 mn | $224.9 mn |
| CET1 ratio | 12.27% | 11.47% | 12.16% | 12.21% | 12.45% | 12.82% | 12.43% | 13.04% |
| Return on equity (ROE) | 8.52% | 9.13% | 5.98% | 9.19% | 11.05% | 11.68% | 11.99% | 13.39% |
| Uninsured share of domestic deposits | 15.33% | 15.24% | 14.92% | 14.57% | 16.13% | 17.24% | 16.96% | 16.59% |
| Full-time equivalent employees | 494 | 472 | 472 | 472 | 502 | 504 | 500 | 505 |
| Number of offices | 40 | 40 | 40 | 40 | 44 | 44 | 44 | 44 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Community National Bank & Trust, oldest first; figures before and after each event are not like for like.
- . Absorbed Heritage State Bank (FDIC certificate 12617).
- . Absorbed Farmers Bank of Lincoln (FDIC certificate 8267).
- . Absorbed Quarry City Savings and Loan Association (FDIC certificate 28776).
- . Absorbed Prairie Bank of Kansas (FDIC certificate 4775).
Questions and identifiers
What were the total assets of Community National Bank & Trust?
Community National Bank & Trust reported $2.5 bn at in its Call Report. That makes Community National Bank & Trust the 494th largest of 497 banks in our US coverage.
Is Community National Bank & Trust the same as its holding company?
No. This page covers Community National Bank & Trust, FDIC certificate 27046; COMMUNITY BCORP INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Community National Bank & Trust profitable?
Community National Bank & Trust reported net income of $14.6 mn for the year to ; annualized return on equity: 13.39%. So yes: Community National Bank & Trust made a profit over these months.
When is data for Community National Bank & Trust next updated?
Figures from Community National Bank & Trust for are due after .
Where can I check the figures for Community National Bank & Trust?
In the FDIC BankFind Suite record for certificate 27046, and in the Call Reports of Community National Bank & Trust (RSSD ID 923752) at the FFIEC Central Data Repository.