Community National Bank & Trust
Chanute, KS · Cert 27046 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Community Bcorp Inc.
National charter · OCC · 44 branches
Q2 2026
$2.5BAssets
$1.7BLoans
$2.2BDeposits
$224.9MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 61% of banks $1B-$10B in assets operating regionally (rank 68 of 176).
- Widest gap: equity / assets trails 80% of banks $1B-$10B in assets operating regionally (rank 140 of 176).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.15%
Rank 102 of 176
Net Interest Margin
3.71%
Rank 73 of 176
Efficiency Ratio
63.80%
Rank 110 of 176
Equity / Assets
8.88%
Rank 140 of 176
Non-interest income vs. expense
Unfavorable gap of $53.7M · efficiency ratio beats 38% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.15% | 0.93% | 1.26% | 1.54% | Beats 42% | 102 / 176 | |
| Return on Equity | 12.99% | 9.26% | 11.89% | 14.46% | Beats 59% | 73 / 176 | |
| Net Interest Margin | 3.71% | 3.25% | 3.59% | 3.93% | Beats 59% | 73 / 176 | |
| Efficiency Ratio | 63.80% | 52.79% | 59.55% | 67.66% | Beats 38% | 110 / 176 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.80% | 0.30% | 0.64% | 1.32% | Beats 41% | 105 / 176 | |
| Net Charge-Offs / Loans | 0.05% | 0.01% | 0.04% | 0.10% | Beats 46% | 96 / 176 | |
| Capital |
| Tier 1 Capital Ratio | 13.04% | 11.15% | 12.72% | 14.15% | Beats 57% | 76 / 176 | |
| Total Risk-Based Capital Ratio | 14.24% | 11.81% | 13.63% | 15.33% | Beats 61% | 68 / 176 | |
| Equity / Assets | 8.88% | 9.16% | 10.35% | 11.80% | Beats 20% | 140 / 176 | |
| Liquidity & Funding |
| Loans / Deposits | 76.81% | 80.94% | 89.73% | 97.21% | 14th pctl | 151 / 176 | |
| Loans / Assets | 67.06% | 69.25% | 75.12% | 80.82% | 16th pctl | 147 / 176 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |