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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 27046 · KS B · 73/100

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

  • GRADE-B B (73/100)
  • MID-PACK #2711/4307
  • PHOTO-FINISH Greenfield Co-operat… · MA
  • TIER1-WELL 12.8% Tier 1
  • TEXAS-CLEAN 5.4% Texas
  • ROA-PAR 0.96% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Kansas: Greenfield Co-operative Bank, MA (±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 & Trust

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

Morgan Stanley Bank,… · UT ·…100/100Altoona First Saving… · PA ·…73/100Bonvenu Bank, Nation… · LA ·…73/100Community National B… · KS ·…73/100Greenfield Co-operat… · MA ·…73/100Mutual Savings Bank · IN · n…73/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Community National Bank & Trust · July 2026

Call Report read for Community National Bank & Trust in a high-failure state

Community National Bank & Trust (FDIC Cert #27046) carries a PlainBankData health grade of B at 73/100, 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 #2,711 of 4,307. Tier 1 capital prints at 12.82%, clearing the 10% well-capitalized line. The Texas Ratio is 5.40%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.96%. Balance-sheet scale is $2.5B, 510th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Greenfield Co-operative Bank (MA), 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 & Trust

12 FAILURE resolutions in Kansas since 2000, heavy vs the state corpus

Community National Bank & Trust sits in one of the heavier post-2000 FAILURE states (12 resolutions; latest year 2023). The list below is state history from the Failed Bank List, not a claim about Community National Bank & Trust's current Call Report.

  • HEARTLAND TRI-STATE BANK ELKHART, KS 2023 → DREAM FIRST BANK,NATIONAL ASSOCIATION
  • ALMENA STATE BANK ALMENA, KS 2020 → EQUITY BANK
  • THE FARMERS AND MERCHANTS STATE BANK OF ARGONIA ARGONIA, KS 2017 → CONWAY BANK

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

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.

0/100100/100National avg77/10073/100
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 Assets

$2.5B

Total balance-sheet footings

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

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 11.42% 12.82% 14.22%
Basel III capital ratios - Community National Bank & Trust

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

73 37th percentile higher than 37% 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%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Community National Bank & Trust 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 & 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.

Capital & credit buffers at Community National Bank & Trust

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

What these ratios mean →

Profitability metrics: Community National Bank & Trust

Return on Assets (ROA)
39th percentile nationally
0.96%
Return on Equity (ROE)
11.68%
Efficiency Ratio
66.02%

What these mean →

Income & expense at Community National Bank & Trust

$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.

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

Top banks in Kansas by total assets

Largest banks headquartered in Kansas
  1. 1
    Capitol Federal Savings Bank $9.8B

    Topeka, KS · Grade C

  2. 2
    Intrust Bank $7.0B

    Wichita, KS · Grade B

  3. 3
    Equity Bank $6.3B

    Andover, KS · Grade B

  4. 4
    Security Bank of Kansas City $3.8B

    Kansas City, KS · Grade A

  5. 5
    Fidelity Bank $3.3B

    Wichita, KS · Grade B

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

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($2.5B here), outside Kansas so the neighborhood is not state containment.

Traditional Bank, Inc. $2.5B · KY Peoples Bank $2.5B · WA First United Bank $2.5B · TX Cornerstone Capital Bank, SSB $2.5B · TX

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.

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

Other banks in Kansas

All Kansas banks →
BankAssetsGradeROA
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%