COMMUNITY NATIONAL BANK

DERBY, VT | Large | Est. Jan. 15, 1851, midnight | FDIC #6271 | RSSD #270504 | OCC
Latest Report: 2025-12-31

COMMUNITY NATIONAL BANK is aln large FDIC-insured commercial bank headquartered in DERBY, VT, established in Jan. 15, 1851, midnight. As of 2025-12-31, the bank reported total assets of $1.3B and total deposits of $1.1B. Profitability stands at 1.59% ROA and 16.06% ROE, with a net interest margin of 3.90%. The bank's CET1 capital ratio is 14.13%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.73% and a Texas Ratio of 5.37%. FDIC Certificate #6271.

Assets

$1.3B

Deposits

$1.1B

Loans

$966M

Equity

$126M

Profitability

Return on Assets (ROA) 1.59%
Return on Equity (ROE) 16.06%
Net Interest Margin (NIM) 3.90%
Yield on Assets 5.57%
Cost of Funds 1.78%

Asset Quality

NPL Ratio 0.73%
Net Charge-Off Ratio 0.04%
Texas Ratio 5.37%
NPA Ratio 0.57%
ACL / Loans 1.12%

Capital & Liquidity

CET1 Ratio 14.13%
Tier 1 Capital 14.13%
Total Capital Ratio 15.38%
Leverage Ratio 9.92%
Loan-to-Deposit 90.13%

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