Bank Comparison
Community National Bank vs Consumers National Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
16 · 8
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Community National Bank | Consumers National Bank |
|---|---|---|
| CET1 Ratio | 14.36% | 11.06% |
| Tier 1 Capital Ratio | 14.36% | 11.06% |
| Total Capital Ratio | 15.62% | 12.07% |
| Tier 1 Leverage Ratio | 10.19% | 8.37% |
| Equity / Assets | 10.44% | 7.03% |
Profitability
| Metric | Community National Bank | Consumers National Bank |
|---|---|---|
| Return on Assets (ROA) | 1.50% | 0.93% |
| Return on Equity (ROE) | 14.85% | 13.25% |
| Net Interest Margin (NIM) | 3.77% | 3.49% |
| Yield on Earning Assets | 5.38% | 5.15% |
| Cost of Funds | 1.73% | 1.72% |
Asset quality
| Metric | Community National Bank | Consumers National Bank |
|---|---|---|
| Texas Ratio | 6.08% | 0.59% |
| Non-Performing Loan Ratio | 0.73% | 0.06% |
| Non-Performing Asset Ratio | 0.58% | 0.04% |
| Net Charge-Off Ratio | 0.00% | 0.03% |
| ACL / Loans | 1.15% | 0.98% |
Balance sheet
| Metric | Community National Bank | Consumers National Bank |
|---|---|---|
| Total Assets | $1,234M | $1,237M |
| Total Deposits | $1,019M | $1,110M |
| Total Loans | $985,030K | $905,303K |
| Total Equity | $128,868K | $86,976K |
| Net Income (quarter) | $4,721K | $2,869K |
Liquidity & funding
| Metric | Community National Bank | Consumers National Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 96.65% | 81.56% |
| Core Deposit Ratio | 94.91% | 92.04% |
| Uninsured Deposit Ratio | 23.01% | 33.70% |
Identity
| Metric | Community National Bank | Consumers National Bank |
|---|---|---|
| Headquarters City | DERBY | MINERVA |
| Headquarters State | VT | OH |
| Asset Tier | Large | Large |
| Charter Class | 1368 | 15543 |
| Regulator | OCC | OCC |
| Domestic Branches | 12 | 22 |
| Employees (FTE) | 127 | 193 |
| Established | Jan. 15, 1851, midnight | Sept. 1, 1965, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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