Community National Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 18.19 percentage points lower than in Q1 2026, at 227.64%. Among 12 Vermont banks, Community National Bank sits 3rd from the top on loan-to-deposit ratio, 98.87% as of Q2 2026. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Community National Bank sits 10.67 points higher, at 98.87% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $972.3M |
| Net loans and leases | $960.4M |
| Loans held for sale | $813K |
| Loans to total assets | 82.95% |
| Loan-to-deposit ratio | 98.87% |
| Net loans to equity capital | 7.25% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 33.17% |
| Multifamily (5+ residential) | 10.76% |
| Commercial and industrial | 11.66% |
| Consumer | 0.84% |
| Credit cards | 0.00% |
| Farm | 2.30% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 4.59% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 227.64% |
| Construction concentration (Tier 1 capital + allowance) | 34.15% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.03% |
| Interest income on loans | $14.7M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $839.2M | $902.6M | 32.98% | 15.00% | 0.40% |
| Q4 2023 | $846.0M | $898.0M | 31.93% | 14.53% | 0.94% |
| Q1 2024 | $867.4M | $884.9M | 31.82% | 14.95% | 0.88% |
| Q2 2024 | $863.0M | $850.1M | 32.37% | 14.98% | 0.85% |
| Q3 2024 | $913.4M | $930.7M | 30.54% | 13.56% | 0.78% |
| Q4 2024 | $928.6M | $1.00B | 30.16% | 13.39% | 0.72% |
| Q1 2025 | $941.4M | $980.8M | 29.77% | 12.76% | 0.68% |
| Q2 2025 | $943.3M | $934.5M | 31.44% | 13.39% | 1.15% |
| Q3 2025 | $963.9M | $1.01B | 30.84% | 12.64% | 1.07% |
| Q4 2025 | $966.2M | $1.07B | 33.33% | 10.98% | 1.02% |
| Q1 2026 | $985.0M | $1.02B | 32.88% | 11.27% | 0.91% |
| Q2 2026 | $972.3M | $983.4M | 33.17% | 11.66% | 0.84% |
Community National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Community National Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Community National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6271) · FFIEC NIC profile (RSSD 270504)