Community National Bank (Seneca, KS)
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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 Seneca, KS, established in 1984 (FDIC certificate 25665), and it is supervised by the OCC. At Q2 2026 it reported total assets of $853.1M, down 0.1% from Q2 2025, the 24th largest of 182 banks headquartered in Kansas. Its CET1 capital ratio was 15.29% 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
- 25665
- Headquarters
- Seneca, KS
- Established
- 1984
- Total assets, Q2 2026
- $853.1M
- Assets vs Q2 2025
- -0.1%
- CET1 ratio, Q2 2026
- 15.29%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 101104504
- Latest call report
- Q2 2026, FFIEC 051 · Community National Bank call report
- Holding company
- COMMUNITY BANCSHARES, INC.
- Asset rank in state
- 24th of 182 in Kansas
Community National Bank is one of the more profitable banks of its size. Its balance sheet stood at $853 million at June 30, 2026; it is based in Seneca, Kansas. It returns 28.0% a year on shareholders' equity, about double the median of 12.5% for the 2,660 banks with $100 million to $1 billion in assets. It also shrank its loan book 5.9% over the year, lower than about 9 in 10 banks its size (median 5.5%).
Paper losses on its bond portfolio are shrinking: unrealized losses of $38 million equal 46% of Tier 1 capital, down from 57% a year earlier. The balance sheet shrank over the year: over the year loans fell 5.9% and deposits fell 1.1%. Credit is the area to watch: it carries problem assets equal to 11.0% of the capital and reserves that would absorb them, 4.1 times the median of 2.6% for banks its size.
As of June 30, 2026, Community National Bank reported a CET1 capital ratio of 15.29%, a return on assets of 1.84%, a nonperforming-loan ratio of 1.47% and a Texas ratio of 10.96%. The figures come from its call report filed with the FFIEC.
Community National Bank ranks as the 24th largest of the 182 banks based in Kansas, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 5.6% to $853.1M, loans fell 3.6% and deposits fell 4.6%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 30.5% of total loans, ahead of owner-occupied commercial real estate loans at 18.3%. The FDIC Summary of Deposits lists 6 offices for it, in 6 cities in KS; its Seneca office books 58% of its branch deposits. Judged on its Q2 2026 call report, Community National Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 210 Main St, Seneca, KS 66538
- County
- Nemaha
- 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
- —
- Call Report form
- FFIEC 051
- Established
- October 4, 1984
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 129
- Domestic deposits
- $772.6M
- Allowance for credit losses
- $4.9M
- Net charge-offs (YTD)
- $19K
- Average total assets
- $869.9M
- Average total loans
- $389.9M
- Average interest-bearing deposits
- $680.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 4, 1984
- FDIC Cert
- 25665
- Fed RSSD
- 354552
- Website
- www.bankoncnb.com →
- Parent Holding Company
- COMMUNITY BANCSHARES, INC. (RSSD 1067532)
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 National Bank's total assets moved between a low of $815.2M (Q3 2023) and a high of $903.9M (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
$853.1M total assets against $854.1M; $794.6M total liabilities against $804.9M.
$379.1M net loans and leases against $403.2M; $772.6M total deposits against $781.4M.
$350.0M securities against $331.9M; $75.2M cash and balances due against $70.7M.
$9.9M total interest income against $9.6M; $3.1M total interest expense against $3.7M.
$6.8M net interest income against $5.8M.
$3.3M total noninterest income against $3.1M; $5.9M total noninterest expense against $5.1M.
-$1K provision for credit losses against $1K.
$4.0M net income against $3.6M.
1.84% return on assets against 1.70%; 3.41% net interest margin against 2.96%.
15.29% CET1 capital ratio against 15.57%; 9.66% tier 1 leverage ratio against 9.61%.
Inside the full Community National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCommunity National Bank rankings
Its closest position to the top of a national ranking is 555 of 3,640, for Texas Ratio; its furthest is 1,564 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.29% (Q3 2024) to 1.84% (Q2 2026) and its net interest margin ran from 2.67% (Q3 2024) to 3.42% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.29% | 1.84% | 1.47% | 10.96% | 3.41% |
| Q1 2026 | 14.09% | 1.48% | 1.23% | 10.09% | 3.22% |
| Q4 2025 | 14.10% | 1.63% | 1.15% | 9.68% | 3.16% |
| Q3 2025 | 16.54% | 1.67% | 1.17% | 10.20% | 3.42% |
| Q2 2025 | 15.57% | 1.70% | 1.52% | 14.83% | 2.96% |
| Q1 2025 | 16.09% | 1.46% | 1.53% | 16.15% | 2.76% |
| Q4 2024 | 14.74% | 1.55% | 1.62% | 18.75% | 2.71% |
| Q3 2024 | 14.32% | 1.29% | 1.68% | 15.41% | 2.67% |
Swipe the table sideways to see every column.
Branch Network
View all 6 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) | Seneca , KS | 66538 | $450.0M |
| Topeka Branch | Topeka , KS | 66614 | $103.2M |
| Basehor Branch | Basehor , KS | 66007 | $84.8M |
| Tonganoxie Branch | Tonganoxie , KS | 66086 | $64.8M |
| Sabetha Branch | Sabetha , KS | 66534 | $53.2M |
| Visionbank - Johnson County Branch | Overland Park , KS | 66221 | $16.7M |
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 |
|---|---|---|---|
| June 11, 2022 | Structure Change | Acquired VisionBank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 10, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.7% of deposits in KS, rank 28 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 267 applications, 252 loans originated, $56.0M originated, across 6 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $630K approved, $630K 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, 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 $853.1 million in its FFIEC call report.
Where is Community National Bank headquartered?
It is headquartered in Seneca, KS, United States.
When was Community National Bank founded?
It was established in 1984, per the FDIC institution directory.
Is Community National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #25665). 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 15.29% 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 6 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 10.96% 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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