COMMUNITY NATIONAL BANK IN MONMOUTH

MONMOUTH, IL | Micro | Est. Sept. 10, 1964, midnight | FDIC #19230 | RSSD #775241 | OCC
Latest Report: 2025-12-31

COMMUNITY NATIONAL BANK IN MONMOUTH is amn micro FDIC-insured commercial bank headquartered in MONMOUTH, IL, established in Sept. 10, 1964, midnight. As of 2025-12-31, the bank reported total assets of $54M and total deposits of $47M. Profitability stands at 1.11% ROA and 8.76% ROE, with a net interest margin of 4.40%. The bank's CET1 capital ratio is 12.43%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.96% and a Texas Ratio of 4.51%. FDIC Certificate #19230.

Assets

$54M

Deposits

$47M

Loans

$34M

Equity

$7M

Profitability

Return on Assets (ROA) 1.11%
Return on Equity (ROE) 8.76%
Net Interest Margin (NIM) 4.40%
Yield on Assets 5.79%
Cost of Funds 1.70%

Asset Quality

NPL Ratio 0.96%
Net Charge-Off Ratio 0.31%
Texas Ratio 4.51%
NPA Ratio 0.60%
ACL / Loans 1.50%

Capital & Liquidity

CET1 Ratio 12.43%
Tier 1 Capital 12.43%
Total Capital Ratio 13.05%
Leverage Ratio 12.99%
Loan-to-Deposit 72.60%

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