Community National Bank (Derby, VT)
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Data as of · sourced from FFIEC call reports. How we update
Community National Bank is an FDIC-insured commercial bank headquartered in Derby, VT, established in 1851 (FDIC certificate 6271), and it is supervised by the OCC. At Q2 2026 it reported total assets of $1.17B, up 0.5% from Q2 2025, the 3rd largest of 12 banks headquartered in Vermont. Its CET1 capital ratio was 14.79% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 6271
- Headquarters
- Derby, VT
- Established
- 1851
- Total assets, Q2 2026
- $1.17B
- Assets vs Q2 2025
- +0.5%
- CET1 ratio, Q2 2026
- 14.79%
- Domestic offices
- 12 FDIC institution directory, current count
- Routing number
- 011601029
- Latest call report
- Q2 2026, FFIEC 051 · Community National Bank call report
- Holding company
- COMMUNITY BANCORP
- Asset rank in state
- 3rd of 12 in Vermont
Little in Community National Bank's latest call report stands out. It reported $1.2 billion in assets at June 30, 2026. On most measures it sits near the middle of the 895 banks with $1 billion to $10 billion in assets.
Net income for the quarter rose 15% from a year earlier, to $5.0 million. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.63% of loans, down from 0.84% a year earlier.
As of June 30, 2026, Community National Bank reported a CET1 capital ratio of 14.79%, a return on assets of 1.61%, a nonperforming-loan ratio of 0.86% and a Texas ratio of 4.62%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Community National Bank is the 3rd largest of the 12 banks headquartered in Vermont. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 5.1% to $1.17B, loans fell 1.3% and deposits fell 3.5%. 1-4 family residential loans made up 30.9% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 17.5%. The FDIC Summary of Deposits lists 12 offices for it, in 12 cities in VT; its Derby office books 36% of its branch deposits. By the capital ratios in its Q2 2026 call report, Community National Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 4811 U.S. Route 5, Derby, VT 05855
- County
- Orleans
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 15, 1851
- Domestic offices
- 12 FDIC institution directory, current count
- Employees (FTE)
- 133
- Domestic deposits
- $983.4M
- Allowance for credit losses
- $11.9M
- Net charge-offs (YTD)
- -$27K
- Average total assets
- $1.24B
- Average total loans
- $990.1M
- Average interest-bearing deposits
- $816.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 6271
- Fed RSSD
- 270504
- SEC CIK
- 718413 → filed by COMMUNITY BANCORP
- Website
- www.communitynationalbank.com →
- Parent Holding Company
- COMMUNITY BANCORP (RSSD 1115040) · CMTV
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Christopher L. Caldwell | CEO | Pres/CEO/Dir of Company & Bank |
| Louise M Bonvechio | CFO | Executive VP & CFO |
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
From Q3 2023 to Q2 2026, Community National Bank's total assets ranged from $1.08B (Q3 2023) to $1.29B (Q4 2025), 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
$1.17B total assets against $1.17B; $1.04B total liabilities against $1.05B.
$960.4M net loans and leases against $932.8M; $983.4M total deposits against $934.5M.
$127.5M securities against $158.4M; $26.1M cash and balances due against $15.0M.
$16.0M total interest income against $14.8M; $4.6M total interest expense against $4.7M.
$11.5M net interest income against $10.1M.
$2.3M total noninterest income against $2.1M; $7.1M total noninterest expense against $6.6M.
$721K provision for credit losses against $407K.
$5.0M net income against $4.4M.
1.61% return on assets against 1.46%; 3.94% net interest margin against 3.63%.
14.79% CET1 capital ratio against 13.60%; 10.63% tier 1 leverage ratio against 10.06%.
Inside the full Community National Bank 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.
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 National Bank rankings
Its closest position to the top of a national ranking is 906 of 4,196, for total assets; its furthest is 747 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.19% (Q3 2024) to 1.67% (Q3 2025) and its net interest margin ran from 3.32% (Q3 2024) to 3.94% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.79% | 1.61% | 0.86% | 4.62% | 3.94% |
| Q1 2026 | 14.36% | 1.50% | 0.79% | 3.81% | 3.77% |
| Q4 2025 | 14.13% | 1.59% | 0.78% | 4.15% | 3.81% |
| Q3 2025 | 14.09% | 1.67% | 0.89% | 4.89% | 3.81% |
| Q2 2025 | 13.60% | 1.46% | 0.98% | 6.74% | 3.63% |
| Q1 2025 | 13.69% | 1.27% | 1.00% | 7.09% | 3.44% |
| Q4 2024 | 13.52% | 1.45% | 0.98% | 7.23% | 3.39% |
| Q3 2024 | 13.52% | 1.19% | 0.59% | 3.33% | 3.32% |
Swipe the table sideways to see every column.
Branch Network
View all 12 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 National Bank (main office) | Derby , VT | 05855 | $355.2M |
| Lyndonville-Memorial Drive Branch | Lyndonville , VT | 05851 | $102.5M |
| Barre Branch | Barre , VT | 05641 | $78.0M |
| Barton Branch | Barton , VT | 05822 | $77.3M |
| Newport Branch | Newport , VT | 05855 | $77.1M |
| Montpelier Branch | Montpelier , VT | 05602 | $63.4M |
| Troy Branch | Troy , VT | 05868 | $55.9M |
| Enosburg Falls Branch | Enosburg Falls , VT | 05450 | $50.4M |
| St. Johnsbury-Price Chopper Branch | Saint Johnsbury , VT | 05819 | $48.3M |
| Derby Line Branch | Derby Line , VT | 05830 | $27.0M |
| Island Pond Branch | Island Pond , VT | 05846 | $26.2M |
| Morrisville Branch | Morrisville , VT | 05661 | $22.0M |
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 |
|---|---|---|---|
| January 1, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2008 | Structure Change | Acquired LyndonBank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 1975 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 1975 | Structure Change | Acquired The Island Pond National 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 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 5.2% of deposits in VT, rank 6 of 24 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 26 loans, $10.3M approved, $395K 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).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 National Bank
What are Community National Bank's total assets?
As of the Q2 2026 filing, Community National Bank reported total assets of $1.17 billion in its FFIEC call report.
Where is Community National Bank headquartered?
It is headquartered in Derby, VT, United States.
When was Community National Bank founded?
It was established in 1851, per the FDIC institution directory.
Is Community National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #6271). 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?
Community National Bank's primary federal regulator is the OCC.
What is Community National Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.79% 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 operate?
It operates 12 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's Texas Ratio?
Its Texas Ratio is 4.62% 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.
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