Community Bank, Lexington, Tennessee: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Asset quality shifted last quarter, NPLs rose to 0.71% from 0.10% in the prior period. Community Bank, Lexington, Tennessee is an FDIC-insured commercial bank. The Q2 2026 balance sheet stands at $358M in assets, including $301M in loans. Returns are in line with industry norms at 0.78% ROA and 7.39% ROE; net interest margin is 4.10%. Capital is comfortably above regulatory requirements, CET1 ratio of 13.18% sits well above the 7% level required once the capital conservation buffer is included. Asset quality is solid, 0.71% nonperforming loans and a 5.29% Texas Ratio. 4 branches make up the footprint.
As of June 30, 2026, Community Bank, Lexington, Tennessee reported a CET1 capital ratio of 13.18%, a return on assets of 0.78%, a nonperforming-loan ratio of 0.71%, a Texas ratio of 5.29%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 19 Natchez Trace Dr S, Lexington, TN 38351
- County
- Henderson
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- August 4, 1961
- Former names
- Community Bank (2004); Community National Bank of Tennessee (1997-2004); Lexington First Federal Savings Bank (1992-1997)
- Offices
- 4 domestic
- Employees (FTE)
- 68
- Domestic deposits
- $301.0M
- Allowance for credit losses
- $2.7M
- Net charge-offs (YTD)
- $141K
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 31272
- Fed RSSD
- 361279
- SEC CIK
- 1042726 → filed by COMMUNITY NATIONAL CORPORATION
- Website
- www.community-bank.net →
- Parent Holding Company
- COMMUNITY NATIONAL CORPORATION (RSSD 2613141)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Community Bank, Lexington, Tennessee terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Community Bank, Lexington, Tennessee, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Community Bank, Lexington, Tennessee rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.18% | 0.78% | 0.71% | 5.29% | 4.10% |
| Q1 2026 | 13.30% | 0.75% | 0.10% | 0.76% | 4.14% |
| Q4 2025 | 10.28% | 0.63% | 0.15% | 1.41% | 4.17% |
| Q3 2025 | 10.94% | 0.73% | 0.10% | 0.91% | 4.44% |
| Q2 2025 | 11.43% | 0.65% | 0.09% | 0.75% | 4.18% |
| Q1 2025 | 10.73% | 0.46% | 0.08% | 0.73% | 3.94% |
| Q4 2024 | 10.50% | 0.31% | 1.42% | 12.78% | 3.97% |
| Q3 2024 | 10.73% | 0.20% | 1.40% | 12.63% | 3.76% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 4 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Community Bank | Lexington , TN | 38351 | $208.2M |
| North Highland Branch | Jackson , TN | 38305 | $49.6M |
| West Tennessee Bank, A Division of Decatur County Bank | Henderson , TN | 38340 | $23.0M |
| West Church Street Branch | Lexington , TN | 38351 | $20.3M |
Regulatory record
What the public regulatory sources show for Community Bank, Lexington, Tennessee, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (OCC)
- September 20, 2000, OCC: Formal Agreement: Community National Bank of Tennessee
- Period: Most recent institution action September 20, 2000. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in TN, rank 93 of 165 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 134 applications, 120 loans originated, $27.1M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows Community Bank, Lexington, Tennessee’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare Community Bank, Lexington, Tennessee with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
Frequently asked about Community Bank, Lexington, Tennessee
What are Community Bank, Lexington, Tennessee's total assets?
As of the Q2 2026 filing, Community Bank, Lexington, Tennessee reported total assets of $357.5 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Community Bank, Lexington, Tennessee headquartered?
Community Bank, Lexington, Tennessee is headquartered in Lexington, TN, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Community Bank, Lexington, Tennessee founded?
Community Bank, Lexington, Tennessee was established in 1961, per the FDIC institution directory.
Is Community Bank, Lexington, Tennessee FDIC-insured?
Yes. Community Bank, Lexington, Tennessee is an FDIC-insured commercial bank (FDIC Certificate #31272). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Community Bank, Lexington, Tennessee?
Community Bank, Lexington, Tennessee's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Community Bank, Lexington, Tennessee's CET1 capital ratio?
Community Bank, Lexington, Tennessee reported a Common Equity Tier 1 (CET1) capital ratio of 13.18% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Community Bank, Lexington, Tennessee operate?
Community Bank, Lexington, Tennessee operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Community Bank, Lexington, Tennessee's Texas Ratio?
Community Bank, Lexington, Tennessee's Texas Ratio is 5.29% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Community Bank, Lexington, Tennessee previously called?
The charter now named Community Bank, Lexington, Tennessee has also operated as Community Bank (2004), Community National Bank of Tennessee (1997-2004), Lexington First Federal Savings Bank (1992-1997), per FDIC structure-change records.
Go deeper on Community Bank, Lexington, Tennessee.
Unlock the full terminal: 25 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock Community Bank, Lexington, Tennessee, freeFree account