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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 6271 · VT A · 83/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-REGIONAL · BOOK-FULL

  • GRADE-A A (83/100)
  • MID-PACK #1562/4307
  • PHOTO-FINISH U.S. Bank National A… · OH
  • TIER1-WELL 14.1% Tier 1
  • TEXAS-CLEAN 5.5% Texas
  • ROA-STRONG 1.49% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Vermont: U.S. Bank National Association, OH (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Community National Bank

Lowest and highest poles plus nearest scored peers outside Vermont, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Community National B… · VT ·…83/100Hardin County Saving… · IA ·…83/100Peoples Bank · NC · near83/100RiverHills Bank · OH · near83/100U.S. Bank National A… · OH ·…83/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Community National Bank · July 2026

Plate reading for Community National Bank where failures stay rare

Community National Bank (FDIC Cert #6271) carries a PlainBankData health grade of A at 83/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,562 of 4,307. Tier 1 capital prints at 14.13%, clearing the 10% well-capitalized line. The Texas Ratio is 5.49%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.49%. Balance-sheet scale is $1.3B, 854th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is U.S. Bank National Association (OH), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Community National Bank

Zero FAILURE resolutions in Vermont since 2000

Community National Bank is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (0 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • FIRST NATIONAL BANK OF VERMONT BRADFORD, VT 1993 → NEW FIRST NB OF VERMONT
  • VALLEY BANK WHITE RIVER JUNCTION, VT 1991 → VERMONT NATIONAL BANK
  • THE POULTNEY NATIONAL BANK POULTNEY, VT 1943

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Vermont banks.

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.

0/100100/100National avg77/10083/100
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 Assets

$1.3B

Total balance-sheet footings

Total Deposits

$1.1B

Customer-funded liabilities

Net Loans

$955M

Outstanding loan book

Net Income

$18M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 12.73% 14.13% 15.53%
Basel III capital ratios - Community National Bank

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

83 Top 36% higher than 64% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Community National Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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: Community National Bank

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

What these ratios mean →

Earnings posture at Community National Bank

Return on Assets (ROA)
74th percentile nationally
1.49%
Return on Equity (ROE)
15.35%
Efficiency Ratio
53.76%

What these mean →

Income & expense at Community National Bank

$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.

FDIC Failed Bank List → View Community National Bank on FDIC BankFind →

Top banks in Vermont by total assets

Largest banks headquartered in Vermont
  1. 1
    Union Bank $1.6B

    Morrisville, VT · Grade C

  2. 2
    Northfield Savings Bank $1.6B

    Northfield, VT · Grade C

  3. 3
    Community National Bank $1.3B

    Derby, VT · Grade A

  4. 4
    Ledyard National Bank $1.1B

    Norwich, VT · Grade B

  5. 5
    Passumpsic Savings Bank $942M

    Saint Johnsbury, VT · Grade B

Top 5 banks in Vermont ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($1.3B here), outside Vermont so the neighborhood is not state containment.

Security Bank & Trust Company $1.3B · MN Evolve Bank & Trust $1.3B · AR SouthStar Bank, S.S.B. $1.3B · TX Wood & Huston Bank $1.3B · MO

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.

Community National Bank Call Report profile · FDIC Failed Bank List · Vermont FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Vermont

All Vermont banks →
BankAssetsGradeROA
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%