Community National Bank
Community National Bank reported total assets of $2.5 bn at Q2 2026, up 5.9% on a year earlier, the 491st largest of 497 banks in our US coverage. The CET1 capital ratio at Community National Bank was 17.14%, and the uninsured share of Community National Bank was 48.60%. Source: FDIC Call Reports.
Key takeaways
- On common equity tier 1 (CET1) ratio, Community National Bank climbed from 136th to 61st among 448 US banks between and (1 = highest; FDIC Call Reports).
- Community National Bank has one of the highest return on assets (ROA) readings among banks of $1 bn to $10 bn: 2.10% at , against a median of 1.32% across 339 banks (FDIC Call Reports).
- At 5.06%, the net interest margin of Community National Bank sits in the top tenth of its size group ($1 bn to $10 bn, 339 banks), where the median is 3.66% (FDIC Call Reports).
What sets Community National Bank apart
How large is Community National Bank?
The balance sheet of Community National Bank at : assets $2.5 bn, deposits $2.2 bn, net loans $1.6 bn (loans equal to 71.53% of deposits). Securities make up 9.3% of total assets at Community National Bank. Since , when Community National Bank held $1.1 bn, its assets grew 135.2%. In the year to , deposits at Community National Bank rose 4.9% while its total assets rose 5.9%. At , Community National Bank employed 275 full-time equivalent staff across 12 offices, about $9.2 mn of assets per employee and $181.9 mn of deposits per office.
How much funding at Community National Bank is uninsured?
At Community National Bank, uninsured deposits (above the FDIC limit) made up 48.60% of domestic deposits at (-1.98 pp on a year earlier); Community National Bank ranks 96th of 500 on this measure. In dollars, Community National Bank estimated $1.1 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.2 bn | +4.9% | 479th of 499 |
| Net loans and leases | $1.6 bn | -1.2% | 483rd of 500 |
| Loan-to-deposit ratio | 71.53% | -4.42 pp | 413th of 500 |
| Tier 1 leverage ratio | 12.68% | +0.99 pp | 69th of 500 |
| Total risk-based capital ratio | 18.39% | +2.59 pp | 62nd of 448 |
| Net interest margin | 5.06% | -0.13 pp | 39th of 500 |
| Return on assets (ROA) | 2.10% | -0.18 pp | 37th of 500 |
| Efficiency ratio | 47.63% | +3.02 pp | 111th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $9.3 mn | Narrowed by $2.0 mn | |
| Noncurrent loans to total loans | 1.66% | +0.61 pp | 439th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.01% | +0.02 pp | 85th of 500 (1 = lowest) |
US rank of Community National Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Community National Bank: assets, deposits and loans
- Total assets $2.5bn
- Deposits $2.2bn
- Net loans $1.6bn
Capital and securities
The CET1 ratio of Community National Bank stood at 17.14% in , +2.59 pp year on year. Low and high at Community National Bank since : 11.02% () to 17.14% (). Equity capital of Community National Bank at : $328.3 mn, or 12.9% of total assets. Community National Bank also reported a total capital ratio of 18.39% for , and a tier 1 leverage ratio of 12.68%.
The available-for-sale portfolio of Community National Bank showed an unrealized loss of $9.3 mn at ; the loss narrowed by $2.0 mn over the year.
Community National Bank: capital ratios
- Total capital 18%
- CET1 17%
- Tier 1 leverage 13%
Community National Bank: unrealized securities gains and losses
- Available for sale -$9mn
- Held to maturity $0
Profitability and loan quality
For the year to , Community National Bank earned a return on equity of 16.91%; return on assets: 2.10%. Net interest margin at Community National Bank: 5.06%, -0.13 pp in a year. Community National Bank net income: $27.0 mn, down 2.1% year on year. The efficiency ratio of Community National Bank was 47.63%: about 48 cents cost per revenue dollar, against 61 cents at the median peer.
At , noncurrent loans were 1.66% of total loans at Community National Bank; net charge-offs: 0.01% of average loans. Gross loans and leases at Community National Bank: $1.6 bn, down 1.1% in a year.
Community National Bank: profitability
- Return on equity 17%
- Net interest margin 5.1%
- Return on assets 2.1%
Peer group of Community National Bank
The peer group of Community National Bank 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 (national bank), 6 sit in the same size group ($1 bn to $10 bn) and 2 have head offices in Texas. Against them, Community National Bank shows CET1 ratio 17.14% against a peer median of 12.39%, return on equity 16.91% against a peer median of 13.95% and uninsured deposit share 48.60% against a peer median of 36.51%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| United Business Bank | State member bank | CA | $2.6 bn | 13.76% | 0.93% | 46.48% | |
| Schaumburg Bank & Trust Company | National bank | IL | $2.6 bn | 11.07% | 17.97% | 33.69% | |
| Horizon Bank, SSB | State-chartered stock savings bank | TX | $2.6 bn | 11.99% | 20.71% | 50.64% | |
| 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% | |
. FDIC Call Reports.
Last eight quarters
Two years at Community National Bank, to : assets +13.9%, deposits +12.2%, equity +28.9%. Staff 256 to 275; offices 11 to 12.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $2.2 bn | $2.4 bn | $2.5 bn | $2.4 bn | $2.3 bn | $2.6 bn | $2.6 bn | $2.5 bn |
| Total deposits | $1.9 bn | $2.1 bn | $2.1 bn | $2.1 bn | $2.0 bn | $2.2 bn | $2.2 bn | $2.2 bn |
| Bank equity capital | $254.8 mn | $261.9 mn | $275.7 mn | $287.5 mn | $299.3 mn | $311.2 mn | $319.5 mn | $328.3 mn |
| CET1 ratio | 13.42% | 13.54% | 14.01% | 14.55% | 14.83% | 15.83% | 16.44% | 17.14% |
| Return on equity (ROE) | 21.16% | 20.54% | 20.98% | 20.06% | 19.55% | 19.27% | 16.73% | 16.91% |
| Uninsured share of domestic deposits | 50.79% | 52.96% | 50.56% | 50.58% | 50.37% | 47.63% | 47.36% | 48.60% |
| Full-time equivalent employees | 256 | 258 | 271 | 276 | 276 | 274 | 272 | 275 |
| Number of offices | 11 | 11 | 11 | 11 | 11 | 11 | 12 | 12 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by Community National Bank appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of Community National Bank?
Community National Bank reported $2.5 bn at in its Call Report. That makes Community National Bank the 491st largest of 497 banks in our US coverage.
Is Community National Bank the same as its holding company?
No. This page covers Community National Bank, FDIC certificate 24897; MIDLAND BANCSHARES INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Community National Bank profitable?
Community National Bank reported net income of $27.0 mn for the year to ; annualized return on equity: 16.91%. So yes: Community National Bank made a profit over these months.
When is data for Community National Bank next updated?
Figures from Community National Bank for are due after .
Where can I check the figures for Community National Bank?
In the FDIC BankFind Suite record for certificate 24897, and in the Call Reports of Community National Bank (RSSD ID 293053) at the FFIEC Central Data Repository.