Community National Bank & Trust
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Data as of · sourced from FFIEC call reports. How we update
Community National Bank & Trust is an FDIC-insured commercial bank headquartered in Chanute, KS, established in 1987 (FDIC certificate 27046), and it is supervised by the OCC. At Q2 2026 it reported total assets of $2.53B, up 12.1% from Q2 2025, the 8th largest of 182 banks headquartered in Kansas. Its CET1 capital ratio was 13.04% 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
- 27046
- Headquarters
- Chanute, KS
- Established
- 1987
- Total assets, Q2 2026
- $2.53B
- Assets vs Q2 2025
- +12.1%
- CET1 ratio, Q2 2026
- 13.04%
- Domestic offices
- 44 FDIC institution directory, current count
- Routing number
- 101105817
- Latest call report
- Q2 2026, FFIEC 051 · Community National Bank & Trust call report
- Holding company
- COMMUNITY BANCORP, INC.
- Asset rank in state
- 8th of 182 in Kansas
Community National Bank & Trust, based in Chanute, Kansas, reported $2.5 billion in assets at June 30, 2026, up 12.1% from a year earlier. It holds about a fifth of its deposits (17%) above the FDIC insurance limit, about half the median of 30.9% for the 895 banks with $1 billion to $10 billion in assets. On the other hand, it funds 8.97% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.52%).
Earnings jumped: net income for the quarter was $8.2 million, 49% above the same quarter a year earlier. The commercial and industrial book ($234 million) is worsening: 2.60% of it is past due or on nonaccrual, up from 1.45% a year earlier.
As of June 30, 2026, Community National Bank & Trust reported a CET1 capital ratio of 13.04%, a return on assets of 1.28%, a nonperforming-loan ratio of 0.80% and a Texas ratio of 6.56%. The figures come from its call report filed with the FFIEC.
Community National Bank & Trust ranks as the 8th largest of the 182 banks based in Kansas, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 1.0% to $2.53B, loans rose 1.4% and deposits rose 0.7%. 1-4 family residential loans made up 26.0% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 14.0%. Its 44 offices in the FDIC Summary of Deposits are in 39 cities across 3 states; its Chanute 3 offices book 8% of its branch deposits. On its Q2 2026 call report, Community National Bank & Trust meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 14 N Lincoln Ave, Chanute, KS 66720
- County
- Neosho
- 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
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- September 4, 1987
- Domestic offices
- 44 FDIC institution directory, current count
- Employees (FTE)
- 505
- Domestic deposits
- $2.21B
- Allowance for credit losses
- $20.4M
- Net charge-offs (YTD)
- $421K
- Average total assets
- $2.56B
- Average total loans
- $1.68B
- Average interest-bearing deposits
- $1.58B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 4, 1987
- FDIC Cert
- 27046
- Fed RSSD
- 923752
- SEC CIK
- 1898355 → filed by COMMUNITY BANCORP, INC.
- Website
- www.mybankcnb.com →
- Parent Holding Company
- COMMUNITY BANCORP, INC. (RSSD 1247398)
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 & Trust's total assets moved between a low of $2.06B (Q3 2023) and a high of $2.53B (Q2 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
$2.53B total assets against $2.26B; $2.31B total liabilities against $2.08B.
$1.68B net loans and leases against $1.51B; $2.21B total deposits against $1.99B.
$443.2M securities against $468.7M; $221.2M cash and balances due against $111.7M.
$35.3M total interest income against $31.2M; $11.0M total interest expense against $11.6M.
$24.4M net interest income against $19.6M.
$4.6M total noninterest income against $4.2M; $17.8M total noninterest expense against $16.2M.
$600K provision for credit losses against $550K.
$8.2M net income against $5.5M.
1.28% return on assets against 0.95%; 4.10% net interest margin against 3.68%.
13.04% CET1 capital ratio against 12.21%; 8.97% tier 1 leverage ratio against 8.45%.
Inside the full Community National Bank & Trust terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCommunity National Bank & Trust rankings
Its closest position to the top of a national ranking is 492 of 4,196, for total assets; its furthest is 871 of 980, for uninsured deposits.
Banks merged into Community National Bank & Trust
- Prairie Bank of Kansas, effective July 21, 2025
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.46% (Q1 2025) to 1.28% (Q2 2026) and its net interest margin ran from 3.16% (Q3 2024) to 4.10% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.04% | 1.28% | 0.80% | 6.56% | 4.10% |
| Q1 2026 | 12.43% | 1.02% | 0.86% | 7.08% | 3.90% |
| Q4 2025 | 12.82% | 1.13% | 0.77% | 6.26% | 3.98% |
| Q3 2025 | 12.45% | 1.19% | 0.87% | 6.87% | 3.80% |
| Q2 2025 | 12.21% | 0.95% | 0.92% | 8.09% | 3.68% |
| Q1 2025 | 12.16% | 0.46% | 0.89% | 7.63% | 3.38% |
| Q4 2024 | 11.47% | 0.82% | 0.89% | 8.13% | 3.35% |
| Q3 2024 | 12.27% | 0.65% | 0.67% | 5.79% | 3.16% |
Swipe the table sideways to see every column.
Branch Network
View all 44 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 & Trust (main office) | Chanute , KS | 66720 | $179.1M |
| Independence Branch | Independence , KS | 67301 | $154.4M |
| Iola Branch | Iola , KS | 66749 | $143.3M |
| Winfield Branch | Winfield , KS | 67156 | $120.4M |
| Farmers Lincoln Branch | Lincoln , MO | 65338 | $106.3M |
| El Dorado Branch | El Dorado , KS | 67042 | $89.4M |
| Emporia Branch | Emporia , KS | 66801 | $89.2M |
| Pittsburg Branch | Pittsburg , KS | 66762 | $87.1M |
| Heritage State Branch | Nevada , MO | 64772 | $84.6M |
| Ponca City Branch | Ponca City , OK | 74601 | $84.4M |
| Humboldt Branch | Humboldt , KS | 66748 | $73.8M |
| Eureka Branch | Eureka , KS | 67045 | $69.6M |
| Warsaw Branch | Warsaw , MO | 65355 | $58.2M |
| Prairie Bank of Kansas Branch | Stafford , KS | 67578 | $57.7M |
| Augusta Branch | Augusta , KS | 67010 | $57.5M |
| Quarry City Branch | Warrensburg , MO | 64093 | $51.6M |
| Coffeyville Branch | Coffeyville , KS | 67337 | $50.9M |
| Girard Branch | Girard , KS | 66743 | $49.5M |
| Arkansas City Branch | Arkansas City , KS | 67005 | $47.3M |
| Newton Branch | Newton , KS | 67114 | $43.9M |
| Caney Branch | Caney , KS | 67333 | $43.6M |
| Lamar Branch | Lamar , MO | 64759 | $42.8M |
| Cherryvale Branch | Cherryvale , KS | 67335 | $42.2M |
| Edna Branch | Edna , KS | 67342 | $40.9M |
| Inman Branch | Inman , KS | 67546 | $37.6M |
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 |
|---|---|---|---|
| July 21, 2025 | Structure Change | Acquired Prairie Bank of Kansas Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 18, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 24, 2022 | Structure Change | Acquired Quarry City Savings and Loan Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 23, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 22, 2020 | Structure Change | Acquired Farmers Bank of Lincoln Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 20, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 2, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 2, 2018 | Structure Change | Acquired Heritage State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 18, 2010 | Structure Change | Acquired The First State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 17, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 2, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 2, 2001 | Structure Change | Acquired First State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 12 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 1.6% of deposits in KS, rank 12 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,520 applications, 1,284 loans originated, $201.8M originated, across 10 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 11 loans, $6.4M approved, $581K 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 & Trust
What are Community National Bank & Trust's total assets?
As of the Q2 2026 filing, Community National Bank & Trust reported total assets of $2.53 billion in its FFIEC call report.
Where is Community National Bank & Trust headquartered?
It is headquartered in Chanute, KS, United States.
When was Community National Bank & Trust founded?
It was established in 1987, per the FDIC institution directory.
Is Community National Bank & Trust FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #27046). 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 & Trust?
Community National Bank & Trust's primary federal regulator is the OCC.
What is Community National Bank & Trust's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.04% 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 & Trust operate?
It operates 44 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 & Trust's Texas Ratio?
Its Texas Ratio is 6.56% 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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