Total Assets
$1.3B
Total balance-sheet footings
FDIC Cert #6271 · Derby, Vermont · Est. 1851
Community National Bank - FDIC Bank Health Profile
A community-scale look at Community National Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $1.3B
- Total assets
- A
- Health grade · Excellent
- 1.49%
- Return on assets
- 14.1%
- Tier 1 capital
Data updated July 2026
The verdict
Community National Bank earns a PlainBankData health grade of A (83/100), with well-capitalized at 14.13% Tier 1, profitable at 1.49% ROA, efficient (54% cost ratio).
- #854
- largest of 4,313 FDIC banks by assets
- 80th
- percentile by asset size, nationally
- 14.13%
- Tier 1 ratio - above the 10% well-capitalized line
- 74th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Community National Bank's 83/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Community National Bank's composite health score
Tier 1 Capital Ratio (14.13%) 35/40
Return on Assets (ROA) (1.49%) 20/25
Texas Ratio (5.49%) 16/20
Efficiency Ratio (53.76%) 12/15
83 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$1.1B
Customer-funded liabilities
Net Loans
$955M
Outstanding loan book
Net Income
$18M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Community National Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Community National Bank's score of 83/100 falls in the highlighted band.
Community National Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Community National Bank's $1.3B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
14.13% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
14.13%
Texas Ratio
5.49%
Equity Capital
$126M
Profitability metrics
Return on Assets (ROA)
74th percentile nationally
1.49%
Return on Equity (ROE)
15.35%
Efficiency Ratio
53.76%
What the numbers say about Community National Bank
Community National Bank is an FDIC-insured institution (Certificate #6271) headquartered in Derby, Vermont, established in 1851. It holds $1.3B in total assets - 854th of 4,313 FDIC-insured banks, $1.1B in customer deposits, and $955M in net loans. Its capital position: a Tier 1 ratio of 14.13%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 5.49% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (83 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Community National Bank sits 3rd of 12 banks headquartered in Vermont by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$61M
Interest Income
$8M
Non-Interest Income
$27M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Community National Bank reports a Texas Ratio of 5.49% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
5.49% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Vermont by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Community National Bank (FDIC Cert #6271) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Vermont
All Vermont banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Union BankMorrisville | $1.6B | C | 0.77% |
| Northfield Savings BankNorthfield | $1.6B | C | 0.40% |
| Ledyard National BankNorwich | $1.1B | B | 0.70% |
| Passumpsic Savings BankSaint Johnsbury | $942M | B | 0.72% |
| The Bank of BenningtonBennington | $637M | A | 0.89% |
| The National Bank of MiddleburyMiddlebury | $557M | B | 0.94% |
| Peoples Trust Company of St. AlbansSaint Albans | $384M | A | 1.09% |
| Business Bank, TheS Burlington | $288M | C | -0.32% |
Frequently asked questions
What is Community National Bank's health grade?▼
Community National Bank receives a health grade of A (83/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Community National Bank?▼
Community National Bank holds $1.3B in total assets and $1.1B in deposits, ranking 854th of 4,313 FDIC-insured banks by asset size. It is headquartered in Derby, Vermont.
Is my money safe at Community National Bank?▼
Yes, deposits at Community National Bank (Certificate #6271) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Community National Bank's Tier 1 Capital Ratio?▼
Community National Bank has a Tier 1 Capital Ratio of 14.13%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Community National Bank?▼
Community National Bank has a Texas Ratio of 5.49%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Community National Bank?▼
Community National Bank has an Efficiency Ratio of 53.76%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Community National Bank's profile as a depositor or analyst.
- Community National Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Community National Bank against other Vermont banks before moving funds. Vermont banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.