Community National Bank & Trust: 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.
Reserve coverage of non-performing loans climbed 11.12 percentage points in Q2 2026, from 138.11% to 149.23%. It was the largest change from Q1 2026 among the key lines here. Within Kansas, Community National Bank & Trust is 123rd of 182 on return on assets, 1.28% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets; Community National Bank & Trust reported 1.28% for Q2 2026, nearly level with it.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.04% |
| Tier 1 risk-based capital ratio | 13.04% |
| Total risk-based capital ratio | 14.24% |
| Tier 1 leverage ratio | 8.97% |
| Equity capital to assets | 8.88% |
| Tangible equity to tangible assets | 7.92% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.81% |
| Non-performing assets ratio | 0.57% |
| Net charge-off ratio | 0.04% |
| Texas ratio | 6.57% |
| Allowance for credit losses to loans | 1.20% |
| Reserve coverage of non-performing loans | 149.23% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.28% |
| Return on equity | 14.83% |
| Net interest margin | 4.10% |
| Efficiency ratio | 60.68% |
| Yield on earning assets | 5.93% |
| Cost of funds | 2.16% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.81% |
| Core deposits to total deposits | 90.62% |
| Brokered deposits to total deposits | 0.67% |
| Deposits to assets | 87.30% |
| Securities to assets | 17.50% |
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 | 12.64% | 12.64% | 13.72% | 8.59% | 0.48% |
| Q4 2023 | 12.23% | 12.23% | 13.29% | 8.67% | 0.54% |
| Q1 2024 | 12.37% | 12.37% | 13.43% | 8.53% | 0.56% |
| Q2 2024 | 12.23% | 12.23% | 13.29% | 8.67% | 0.67% |
| Q3 2024 | 12.27% | 12.27% | 13.32% | 8.60% | 0.65% |
| Q4 2024 | 11.47% | 11.47% | 12.48% | 8.70% | 0.82% |
| Q1 2025 | 12.16% | 12.16% | 13.26% | 8.68% | 0.46% |
| Q2 2025 | 12.21% | 12.21% | 13.37% | 8.45% | 0.95% |
| Q3 2025 | 12.45% | 12.45% | 13.59% | 8.90% | 1.19% |
| Q4 2025 | 12.82% | 12.82% | 14.01% | 8.85% | 1.13% |
| Q1 2026 | 12.43% | 12.43% | 13.59% | 8.87% | 1.02% |
| Q2 2026 | 13.04% | 13.04% | 14.24% | 8.97% | 1.28% |
Community National Bank & Trust vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Community National Bank & Trust, 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 & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27046) · FFIEC NIC profile (RSSD 923752)