COMMUNITY NATIONAL BANK

SENECA, KS | Medium | Est. Oct. 4, 1984, midnight | FDIC #25665 | RSSD #354552 | OCC
Latest Report: 2025-12-31

COMMUNITY NATIONAL BANK is amn medium FDIC-insured commercial bank headquartered in SENECA, KS, established in Oct. 4, 1984, midnight. As of 2025-12-31, the bank reported total assets of $891M and total deposits of $807M. Profitability stands at 1.61% ROA and 25.28% ROE, with a net interest margin of 3.19%. The bank's CET1 capital ratio is 14.10%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.15% and a Texas Ratio of 7.78%. FDIC Certificate #25665.

Assets

$891M

Deposits

$807M

Loans

$417M

Equity

$57M

Profitability

Return on Assets (ROA) 1.61%
Return on Equity (ROE) 25.28%
Net Interest Margin (NIM) 3.19%
Yield on Assets 4.91%
Cost of Funds 1.75%

Asset Quality

NPL Ratio 1.15%
Net Charge-Off Ratio 0.08%
Texas Ratio 7.78%
NPA Ratio 0.54%
ACL / Loans 1.18%

Capital & Liquidity

CET1 Ratio 14.10%
Tier 1 Capital 14.10%
Total Capital Ratio 15.01%
Leverage Ratio 9.38%
Loan-to-Deposit 51.67%

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