Community National Bank (Midland, TX)

Problem loans are rising at Community National Bank. It reported $2.5 billion in assets at June 30, 2026, up 5.9% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.66% of loans from 1.05% a year earlier. It earns about $2.17 a year on every $100 of assets, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median $1.29). It also keeps 5.09 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.71 cents).

Loans and deposits moved in opposite directions: over the year loans fell 1.1% and deposits rose 4.9%. Its $508 million commercial and industrial book is improving, with 0.35% past due or on nonaccrual, down from 1.09% a year earlier. Funding is the softer spot: it holds about half of its deposits (49%) above the FDIC insurance limit, higher than about three-quarters of banks its size (median 30.9%).

As of June 30, 2026, Community National Bank reported a CET1 capital ratio of 17.14%, a return on assets of 2.17%, a nonperforming-loan ratio of 1.66% and a Texas ratio of 8.73%. The figures come from its call report filed with the FFIEC.