Community National Bank
Seneca, KS · Cert 25665 · Peer group: banks under $1B in assets in KS (n=98) · Community Bancshares Inc.
National charter · OCC · 6 branches
Q2 2026
$853.1MAssets
$384.0MLoans
$772.6MDeposits
$58.6MEquity
Executive Summary
- Strongest standing: return on equity outperforms 92% of banks under $1B in assets in KS (rank 8 of 98).
- Widest gap: equity / assets trails 93% of banks under $1B in assets in KS (rank 91 of 98).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.39%
Rank 39 of 98
Net Interest Margin
3.03%
Rank 87 of 98
Efficiency Ratio
60.12%
Rank 58 of 98
Equity / Assets
6.87%
Rank 91 of 98
Non-interest income vs. expense
Unfavorable gap of $10.9M · efficiency ratio beats 42% of banks under $1B in assets in KS | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.39% | 1.03% | 1.24% | 1.54% | Beats 60% | 39 / 98 | |
| Return on Equity | 20.26% | 8.85% | 11.58% | 14.73% | Beats 92% | 8 / 98 | |
| Net Interest Margin | 3.03% | 3.24% | 3.62% | 3.91% | Beats 11% | 87 / 98 | |
| Efficiency Ratio | 60.12% | 51.87% | 58.88% | 64.74% | Beats 42% | 58 / 98 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.47% | 0.01% | 0.33% | 1.05% | Beats 20% | 79 / 98 | |
| Net Charge-Offs / Loans | 0.02% | n/a | 0.00% | 0.03% | Beats 28% | 72 / 98 | |
| Capital |
| Tier 1 Capital Ratio | 15.29% | 11.81% | 13.71% | 17.33% | Beats 64% | 35 / 98 | |
| Total Risk-Based Capital Ratio | 16.24% | 11.81% | 14.13% | 17.45% | Beats 64% | 35 / 98 | |
| Equity / Assets | 6.87% | 8.60% | 11.34% | 13.10% | Beats 7% | 91 / 98 | |
| Liquidity & Funding |
| Loans / Deposits | 49.70% | 57.09% | 69.84% | 82.47% | 14th pctl | 84 / 98 | |
| Loans / Assets | 45.01% | 49.34% | 58.31% | 68.94% | 15th pctl | 83 / 98 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |