Total Assets
$2.5B
Total balance-sheet footings
FDIC Cert #27046 · Chanute, Kansas · Est. 1987
Community National Bank & Trust - FDIC Bank Health Profile
A community-scale look at Community National Bank & Trust's own numbers, pulled straight from its quarterly FDIC Call Report.
- $2.5B
- Total assets
- B
- Health grade · Good
- 0.96%
- Return on assets
- 12.8%
- Tier 1 capital
Data updated July 2026
The verdict
Community National Bank & Trust earns a PlainBankData health grade of B (73/100), with well-capitalized at 12.82% Tier 1, 0.96% ROA, 66% efficiency ratio.
- #510
- largest of 4,313 FDIC banks by assets
- 88th
- percentile by asset size, nationally
- 12.82%
- Tier 1 ratio - above the 10% well-capitalized line
- 39th
- 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 & Trust's 73/100 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 & Trust's composite health score
Tier 1 Capital Ratio (12.82%) 35/40
Return on Assets (ROA) (0.96%) 14/25
Texas Ratio (5.40%) 16/20
Efficiency Ratio (66.02%) 8/15
73 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$2.1B
Customer-funded liabilities
Net Loans
$1.6B
Outstanding loan book
Net Income
$22M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Community National Bank & Trust ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Community National Bank & Trust's score of 73/100 falls in the highlighted band.
Community National Bank & Trust'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 & Trust's $2.5B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.82% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.82%
Texas Ratio
5.40%
Equity Capital
$214M
Profitability metrics
Return on Assets (ROA)
39th percentile nationally
0.96%
Return on Equity (ROE)
11.68%
Efficiency Ratio
66.02%
What the numbers say about Community National Bank & Trust
Community National Bank & Trust is an FDIC-insured institution (Certificate #27046) headquartered in Chanute, Kansas, established in 1987. It holds $2.5B in total assets - 510th of 4,313 FDIC-insured banks, $2.1B in customer deposits, and $1.6B in net loans. Looking at capital strength, Tier 1 stands at 12.82%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 5.40%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of B (73/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Kansas, Community National Bank & Trust ranks 8th of 188 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$129M
Interest Income
$18M
Non-Interest Income
$66M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Community National Bank & Trust reports a Texas Ratio of 5.40% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
5.40% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Kansas by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Community National Bank & Trust (FDIC Cert #27046) - 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 Kansas
All Kansas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Capitol Federal Savings BankTopeka | $9.8B | C | 0.76% |
| Intrust Bank, National AssociationWichita | $7.0B | B | 1.20% |
| Equity BankAndover | $6.3B | B | 0.55% |
| Security Bank of Kansas CityKansas City | $3.8B | A | 1.37% |
| Fidelity Bank, National AssociationWichita | $3.3B | B | 0.99% |
| Emprise BankWichita | $2.8B | B | 1.32% |
| KS StateBankManhattan | $2.6B | A | 1.69% |
| Landmark National BankManhattan | $1.6B | B | 1.20% |
Frequently asked questions
What is Community National Bank & Trust's health grade?▼
Community National Bank & Trust receives a health grade of B (73/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Community National Bank & Trust?▼
Community National Bank & Trust holds $2.5B in total assets and $2.1B in deposits, ranking 510th of 4,313 FDIC-insured banks by asset size. It is headquartered in Chanute, Kansas.
Is my money safe at Community National Bank & Trust?▼
Yes, deposits at Community National Bank & Trust (Certificate #27046) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Community National Bank & Trust's Tier 1 Capital Ratio?▼
Community National Bank & Trust has a Tier 1 Capital Ratio of 12.82%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Community National Bank & Trust?▼
Community National Bank & Trust has a Texas Ratio of 5.40%. A ratio below 50% is generally considered 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 & Trust?▼
Community National Bank & Trust has an Efficiency Ratio of 66.02%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Community National Bank & Trust's profile as a depositor or analyst.
- Community National Bank & Trust's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Community National Bank & Trust against other Kansas banks before moving funds. Kansas 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.