Community National Bank in Monmouth
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Data as of · sourced from FFIEC call reports. How we update
Community National Bank in Monmouth is an FDIC-insured commercial bank headquartered in Monmouth, IL, established in 1964 (FDIC certificate 19230), and it is supervised by the OCC. At Q2 2026 it reported total assets of $55.1M, up 0.9% from Q2 2025, the 291st largest of 319 banks headquartered in Illinois. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.13% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 19230
- Headquarters
- Monmouth, IL
- Established
- 1964
- Total assets, Q2 2026
- $55.1M
- Assets vs Q2 2025
- +0.9%
- Tier 1 leverage ratio, Q2 2026
- 13.13%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 071108290
- Latest call report
- Q2 2026, FFIEC 041 · Community National Bank in Monmouth call report
- Holding company
- CNB HOLDINGS, INC.
- Asset rank in state
- 291st of 319 in Illinois
Problem loans are falling at Community National Bank in Monmouth. It reported $55 million in assets at June 30, 2026. Loans on nonaccrual or 90 or more days past due, net of government guarantees, fell to 0.90% of loans from 1.52% a year earlier. It keeps 4.53 cents of net interest income on every dollar of earning assets, higher than about three-quarters of the 583 banks with less than $100 million in assets (median 3.87 cents).
Net income for the quarter rose 25% from a year earlier, to $169,000.
As of June 30, 2026, Community National Bank in Monmouth reported a return on assets of 1.24%, a nonperforming-loan ratio of 0.90% and a Texas ratio of 4.08%. The figures come from its call report filed with the FFIEC.
Community National Bank in Monmouth ranks as the 291st largest of the 319 banks based in Illinois, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 3.1% to $55.1M, loans fell 5.2% and deposits rose 3.1%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 32.4% of total loans, ahead of farmland and other real estate loans at 24.0%. Its one office in the FDIC Summary of Deposits is in Monmouth, IL. By the capital ratios in its Q2 2026 call report, Community National Bank in Monmouth meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 311 N Main St, Monmouth, IL 61462
- County
- Warren
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- September 10, 1964
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 13
- Domestic deposits
- $47.7M
- Allowance for credit losses
- $517K
- Net charge-offs (YTD)
- $5K
- Average total assets
- $54.3M
- Average total loans
- $34.7M
- Average interest-bearing deposits
- $39.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 10, 1964
- FDIC Cert
- 19230
- Fed RSSD
- 775241
- Website
- www.cnbmonmouth.com →
- Parent Holding Company
- CNB HOLDINGS, INC. (RSSD 5690367)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Community National Bank in Monmouth reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Community National Bank in Monmouth's total assets ran between $50.7M (Q1 2024) and $57.0M (Q3 2023), 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
$55.1M total assets against $54.6M; $48.2M total liabilities against $48.1M.
$33.3M net loans and leases against $32.7M; $47.7M total deposits against $47.7M.
$13.0M securities against $13.7M; $7.2M cash and balances due against $6.9M.
$745K total interest income against $665K; $168K total interest expense against $167K.
$577K net interest income against $498K.
$92K total noninterest income against $84K; $447K total noninterest expense against $389K.
$8K provision for credit losses against $22K.
$169K net income against $135K.
1.24% return on assets against 1.01%; 4.53% net interest margin against 3.89%.
13.13% tier 1 leverage ratio against 12.75%.
Inside the full Community National Bank in Monmouth terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.66% (Q3 2025) to 1.24% (Q2 2026) and its net interest margin ran from 3.59% (Q4 2024) to 4.62% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.13% | 1.24% | 0.90% | 4.08% | 4.53% |
| Q1 2026 | 12.99% | 0.91% | 0.87% | 4.26% | 4.31% |
| Q4 2025 | 12.99% | 1.11% | 0.96% | 4.51% | 4.62% |
| Q3 2025 | 12.97% | 0.66% | 0.95% | 4.64% | 3.94% |
| Q2 2025 | 12.75% | 1.01% | 1.52% | 7.16% | 3.89% |
| Q1 2025 | 12.78% | 0.83% | 1.51% | 7.55% | 3.69% |
| Q4 2024 | 12.70% | 0.78% | 1.63% | 8.00% | 3.59% |
| Q3 2024 | 12.87% | 1.07% | 1.20% | 5.77% | 3.63% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 in Monmouth (main office) | Monmouth , IL | 61462 | $47.7M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- July 17, 2017, OCC: Formal Agreement: Community National Bank in Monmouth
- Period: Most recent institution action July 17, 2017. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in IL, rank 343 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Mortgage lending (HMDA), SBA 7(a) lending, 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 in Monmouth
What are Community National Bank in Monmouth's total assets?
As of the Q2 2026 filing, Community National Bank in Monmouth reported total assets of $55.1 million in its FFIEC call report.
Where is Community National Bank in Monmouth headquartered?
It is headquartered in Monmouth, IL, United States.
When was Community National Bank in Monmouth founded?
It was established in 1964, per the FDIC institution directory.
Is Community National Bank in Monmouth FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #19230). 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 in Monmouth?
Community National Bank in Monmouth's primary federal regulator is the OCC.
How many branches does Community National Bank in Monmouth operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Community National Bank in Monmouth's Texas Ratio?
Its Texas Ratio is 4.08% 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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