Community National Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Securities to assets: 3.34 percentage points higher than in Q1 2026, at 41.02%. Community National Bank ranks 38th of 182 Kansas banks on return on assets, in the upper half at 1.84% (Q2 2026). Community National Bank reported 1.84% on return on assets for Q2 2026, 0.58 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.29% |
| Tier 1 risk-based capital ratio | 15.29% |
| Total risk-based capital ratio | 16.24% |
| Tier 1 leverage ratio | 9.66% |
| Equity capital to assets | 6.87% |
| Tangible equity to tangible assets | 5.54% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.71% |
| Non-performing assets ratio | 0.77% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 13.99% |
| Allowance for credit losses to loans | 1.27% |
| Reserve coverage of non-performing loans | 74.48% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.84% |
| Return on equity | 28.00% |
| Net interest margin | 3.41% |
| Efficiency ratio | 57.61% |
| Yield on earning assets | 4.94% |
| Cost of funds | 1.61% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 49.70% |
| Core deposits to total deposits | 95.00% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.56% |
| Securities to assets | 41.02% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 15.78% | 15.78% | 16.71% | 8.81% | 1.34% |
| Q4 2023 | 15.26% | 15.26% | 16.21% | 8.79% | 1.14% |
| Q1 2024 | 15.51% | 15.51% | 16.47% | 8.71% | 1.23% |
| Q2 2024 | 15.13% | 15.13% | 16.11% | 8.60% | 1.05% |
| Q3 2024 | 14.32% | 14.32% | 15.24% | 8.77% | 1.29% |
| Q4 2024 | 14.74% | 14.74% | 15.69% | 9.04% | 1.55% |
| Q1 2025 | 16.09% | 16.09% | 17.15% | 9.46% | 1.46% |
| Q2 2025 | 15.57% | 15.57% | 16.53% | 9.61% | 1.70% |
| Q3 2025 | 16.54% | 16.54% | 17.57% | 9.64% | 1.67% |
| Q4 2025 | 14.10% | 14.10% | 15.01% | 9.38% | 1.63% |
| Q1 2026 | 14.09% | 14.09% | 14.99% | 9.37% | 1.48% |
| Q2 2026 | 15.29% | 15.29% | 16.24% | 9.66% | 1.84% |
Community National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Community National Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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 25665) · FFIEC NIC profile (RSSD 354552)