Community National Bank & Trust: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Community National Bank & Trust, based in Chanute, Kansas, reported $2.5 billion in assets at June 30, 2026, up 12.1% from a year earlier. It holds about a fifth of its deposits (17%) above the FDIC insurance limit, about half the median of 30.9% for the 895 banks with $1 billion to $10 billion in assets. On the other hand, it funds 8.97% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.52%).
Earnings jumped: net income for the quarter was $8.2 million, 49% above the same quarter a year earlier. The commercial and industrial book ($234 million) is worsening: 2.60% of it is past due or on nonaccrual, up from 1.45% a year earlier.
As of June 30, 2026, Community National Bank & Trust reported a CET1 capital ratio of 13.04%, a return on assets of 1.28%, a nonperforming-loan ratio of 0.80% and a Texas ratio of 6.56%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 14 N Lincoln Ave, Chanute, KS 66720
- County
- Neosho
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- September 4, 1987
- Offices
- 44 domestic
- Employees (FTE)
- 505
- Domestic deposits
- $2.21B
- Allowance for credit losses
- $20.4M
- Net charge-offs (YTD)
- $421K
- Average total assets
- $2.56B
- Average total loans
- $1.68B
- Average interest-bearing deposits
- $1.58B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 4, 1987
- FDIC Cert
- 27046
- Fed RSSD
- 923752
- SEC CIK
- 1898355 → filed by COMMUNITY BANCORP, INC.
- Website
- www.mybankcnb.com →
- Parent Holding Company
- COMMUNITY BANCORP, INC. (RSSD 1247398)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Community National Bank & Trust terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Community National Bank & Trust, freeCommunity National Bank & Trust rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Banks merged into Community National Bank & Trust
- Prairie Bank of Kansas, effective July 21, 2025
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.04% | 1.28% | 0.80% | 6.56% | 4.10% |
| Q1 2026 | 12.43% | 1.02% | 0.86% | 7.08% | 3.90% |
| Q4 2025 | 12.82% | 1.13% | 0.77% | 6.26% | 3.98% |
| Q3 2025 | 12.45% | 1.19% | 0.87% | 6.87% | 3.80% |
| Q2 2025 | 12.21% | 0.95% | 0.92% | 8.09% | 3.68% |
| Q1 2025 | 12.16% | 0.46% | 0.89% | 7.63% | 3.38% |
| Q4 2024 | 11.47% | 0.82% | 0.89% | 8.13% | 3.35% |
| Q3 2024 | 12.27% | 0.65% | 0.67% | 5.79% | 3.16% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 44 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Community National Bank & Trust (main office) | Chanute , KS | 66720 | $179.1M |
| Independence Branch | Independence , KS | 67301 | $154.4M |
| Iola Branch | Iola , KS | 66749 | $143.3M |
| Winfield Branch | Winfield , KS | 67156 | $120.4M |
| Farmers Lincoln Branch | Lincoln , MO | 65338 | $106.3M |
| El Dorado Branch | El Dorado , KS | 67042 | $89.4M |
| Emporia Branch | Emporia , KS | 66801 | $89.2M |
| Pittsburg Branch | Pittsburg , KS | 66762 | $87.1M |
| Heritage State Branch | Nevada , MO | 64772 | $84.6M |
| Ponca City Branch | Ponca City , OK | 74601 | $84.4M |
| Humboldt Branch | Humboldt , KS | 66748 | $73.8M |
| Eureka Branch | Eureka , KS | 67045 | $69.6M |
| Warsaw Branch | Warsaw , MO | 65355 | $58.2M |
| Prairie Bank of Kansas Branch | Stafford , KS | 67578 | $57.7M |
| Augusta Branch | Augusta , KS | 67010 | $57.5M |
| Quarry City Branch | Warrensburg , MO | 64093 | $51.6M |
| Coffeyville Branch | Coffeyville , KS | 67337 | $50.9M |
| Girard Branch | Girard , KS | 66743 | $49.5M |
| Arkansas City Branch | Arkansas City , KS | 67005 | $47.3M |
| Newton Branch | Newton , KS | 67114 | $43.9M |
| Caney Branch | Caney , KS | 67333 | $43.6M |
| Lamar Branch | Lamar , MO | 64759 | $42.8M |
| Cherryvale Branch | Cherryvale , KS | 67335 | $42.2M |
| Edna Branch | Edna , KS | 67342 | $40.9M |
| Inman Branch | Inman , KS | 67546 | $37.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 21, 2025 | Structure Change | Acquired Prairie Bank of Kansas Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 18, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 24, 2022 | Structure Change | Acquired Quarry City Savings and Loan Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 23, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 22, 2020 | Structure Change | Acquired Farmers Bank of Lincoln Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 20, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 2, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 2, 2018 | Structure Change | Acquired Heritage State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 18, 2010 | Structure Change | Acquired The First State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 17, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 2, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 2, 2001 | Structure Change | Acquired First State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 12 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Community National Bank & Trust, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.6% of deposits in KS, rank 12 of 233 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,520 applications, 1,284 loans originated, $201.8M originated, across 10 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 11 loans, $6.4M approved, $581K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Community National Bank & Trust
What are Community National Bank & Trust's total assets?
As of the Q2 2026 filing, Community National Bank & Trust reported total assets of $2.53 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Community National Bank & Trust headquartered?
Community National Bank & Trust is headquartered in Chanute, KS, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Community National Bank & Trust founded?
Community National Bank & Trust was established in 1987, per the FDIC institution directory.
Is Community National Bank & Trust FDIC-insured?
Yes. Community National Bank & Trust is an FDIC-insured commercial bank (FDIC Certificate #27046). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Community National Bank & Trust?
Community National Bank & Trust's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Community National Bank & Trust's CET1 capital ratio?
Community National Bank & Trust reported a Common Equity Tier 1 (CET1) capital ratio of 13.04% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Community National Bank & Trust operate?
Community National Bank & Trust operates 44 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Community National Bank & Trust's Texas Ratio?
Community National Bank & Trust's Texas Ratio is 6.56% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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