Community Bank, Lexington, Tennessee
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Data as of · sourced from FFIEC call reports. How we update
Community Bank, Lexington, Tennessee is an FDIC-insured commercial bank headquartered in Lexington, TN, established in 1961 (FDIC certificate 31272), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $357.5M, up 13.2% from Q2 2025, the 67th largest of 109 banks headquartered in Tennessee. Its CET1 capital ratio was 13.18% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 31272
- Headquarters
- Lexington, TN
- Established
- 1961
- Total assets, Q2 2026
- $357.5M
- Assets vs Q2 2025
- +13.2%
- CET1 ratio, Q2 2026
- 13.18%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 284373760
- Latest call report
- Q2 2026, FFIEC 051 · Community Bank, Lexington, Tennessee Q3 2026 call report, filed October 23, 2026 (preliminary)
- Holding company
- COMMUNITY NATIONAL CORPORATION
- Asset rank in state
- 67th of 109 in Tennessee
Problem loans are rising at Community Bank, Lexington, Tennessee. Its balance sheet stood at $358 million at June 30, 2026, up 13.2% from a year earlier; it is based in Lexington, Tennessee. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.71% of loans from 0.09% a year earlier. It pays an average of 2.80% on its deposits and borrowings, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). It also grew its loan book 13.6% over the year, 2.5 times the median of 5.5% for banks its size.
Delinquency has appeared in its $46 million non-owner-occupied commercial real estate book: 4.06% of those loans are past due or on nonaccrual, against almost none a year earlier. Earnings jumped: net income for the quarter was $700,000, 35% above the same quarter a year earlier. Profitability lags: it earns about $0.78 a year on every $100 of assets, lower than about three-quarters of banks its size (median $1.28).
As of June 30, 2026, Community Bank, Lexington, Tennessee reported a CET1 capital ratio of 13.18%, a return on assets of 0.78%, a nonperforming-loan ratio of 0.71% and a Texas ratio of 5.29%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Community Bank, Lexington, Tennessee is the 67th largest of the 109 banks headquartered in Tennessee. Between Q1 2026 and Q2 2026, its total assets fell 1.1% to $357.5M, loans rose 1.2% and deposits fell 0.8%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 35.1% of total loans, ahead of owner-occupied commercial real estate loans at 15.7%. The FDIC Summary of Deposits lists 4 offices for it, in Lexington, TN, Jackson, TN and Henderson, TN; its Lexington 2 offices book 76% of its branch deposits. By the capital ratios in its Q2 2026 call report, Community Bank, Lexington, Tennessee meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 19 Natchez Trace Dr S, Lexington, TN 38351
- County
- Henderson
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- August 4, 1961
- Former names
- Community Bank (2004); Community National Bank of Tennessee (1997-2004); Lexington First Federal Savings Bank (1992-1997)
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 68
- Domestic deposits
- $301.0M
- Allowance for credit losses
- $2.7M
- Net charge-offs (YTD)
- $141K
- Average total assets
- $358.7M
- Average total loans
- $300.2M
- Average interest-bearing deposits
- $261.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 31272
- Fed RSSD
- 361279
- SEC CIK
- 1042726 → filed by COMMUNITY NATIONAL CORPORATION
- Website
- www.community-bank.net →
- Parent Holding Company
- COMMUNITY NATIONAL CORPORATION (RSSD 2613141)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Community Bank, Lexington, Tennessee's total assets moved between a low of $289.7M (Q3 2023) and a high of $361.4M (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$357.5M total assets against $315.9M; $319.3M total liabilities against $287.7M.
$298.4M net loans and leases against $262.5M; $301.0M total deposits against $274.7M.
$27.5M securities against $26.1M; $16.8M cash and balances due against $13.0M.
$5.7M total interest income against $5.3M; $2.2M total interest expense against $2.1M.
$3.5M net interest income against $3.2M.
$259K total noninterest income against $243K; $2.8M total noninterest expense against $2.7M.
$89K provision for credit losses against $47K.
$700K net income against $518K.
0.78% return on assets against 0.65%; 4.10% net interest margin against 4.18%.
13.18% CET1 capital ratio against 11.43%; 10.64% tier 1 leverage ratio against 8.89%.
Inside the full Community Bank, Lexington, Tennessee terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Community Bank, Lexington, Tennessee rankings
Its closest position to the top of a national ranking is 1,265 of 3,640, for Texas Ratio; its furthest is 2,953 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.20% (Q3 2024) to 0.78% (Q2 2026) and its net interest margin ran from 3.76% (Q3 2024) to 4.44% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.18% | 0.78% | 0.71% | 5.29% | 4.10% |
| Q1 2026 | 13.30% | 0.75% | 0.10% | 0.76% | 4.14% |
| Q4 2025 | 10.28% | 0.63% | 0.15% | 1.41% | 4.17% |
| Q3 2025 | 10.94% | 0.73% | 0.10% | 0.91% | 4.44% |
| Q2 2025 | 11.43% | 0.65% | 0.09% | 0.75% | 4.18% |
| Q1 2025 | 10.73% | 0.46% | 0.08% | 0.73% | 3.94% |
| Q4 2024 | 10.50% | 0.31% | 1.42% | 12.78% | 3.97% |
| Q3 2024 | 10.73% | 0.20% | 1.40% | 12.63% | 3.76% |
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Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Community Bank | Lexington , TN | 38351 | $208.2M |
| North Highland Branch | Jackson , TN | 38305 | $49.6M |
| West Tennessee Bank, A Division of Decatur County Bank | Henderson , TN | 38340 | $23.0M |
| West Church Street Branch | Lexington , TN | 38351 | $20.3M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- September 20, 2000, OCC: Formal Agreement: Community National Bank of Tennessee
- Period: Most recent institution action September 20, 2000. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in TN, rank 93 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 134 applications, 120 loans originated, $27.1M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $975K approved, $975K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2009 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Community Bank, Lexington, Tennessee
What are Community Bank, Lexington, Tennessee's total assets?
As of the Q2 2026 filing, Community Bank, Lexington, Tennessee reported total assets of $357.5 million in its FFIEC call report.
Where is Community Bank, Lexington, Tennessee headquartered?
It is headquartered in Lexington, TN, United States.
When was Community Bank, Lexington, Tennessee founded?
It was established in 1961, per the FDIC institution directory.
Is Community Bank, Lexington, Tennessee FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #31272). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Community Bank, Lexington, Tennessee?
Community Bank, Lexington, Tennessee's primary federal regulator is the Federal Reserve.
What is Community Bank, Lexington, Tennessee's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.18% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Community Bank, Lexington, Tennessee operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Community Bank, Lexington, Tennessee's Texas Ratio?
Its Texas Ratio is 5.29% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Community Bank, Lexington, Tennessee previously called?
The charter now named Community Bank, Lexington, Tennessee has also operated as Community Bank (2004), Community National Bank of Tennessee (1997-2004), Lexington First Federal Savings Bank (1992-1997), per FDIC structure-change records.
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