Lexington, TN · Cert 31272 · Community National Corp.
State charter, Fed member · FED · 4 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
49
Asset Quality
31
Profitability
38
Liquidity
1
Efficiency
29
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Lexington, TN · Cert 31272 · Community National Corp.
State charter, Fed member · FED · 4 branches
Q2 2026
Market Position · Jackson, TN · 2026 SOD (annual) · 1.7% share · #13 of 23 inst. · $0.1B of $4.3B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.31% | 0.31% | 0.46% | 0.56% | 0.61% | 0.61% | 0.74% | 0.76% | +21 bps | |
| Return on Equity | 3.48% | 3.49% | 5.23% | 6.32% | 6.97% | 7.09% | 7.81% | 7.72% | +141 bps | |
| Net Interest Margin | 3.53% | 3.58% | 3.74% | 3.82% | 3.92% | 3.77% | 3.97% | 3.89% | +6 bps | |
| Efficiency Ratio | 88.48% | 86.03% | 85.35% | 81.98% | 78.97% | 77.04% | 73.36% | 73.42% | -856 bps | |
| Non-Interest Burden | 3.09% | 3.02% | 3.14% | 3.08% | 3.03% | 2.83% | 2.83% | 2.78% | -30 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.64% | 5.10% | 6.15% | -1.86% | 10.80% | 11.46% | 11.73% | 13.17% | +1,503 bps | |
| Loan Growth (YoY) | 7.11% | 3.93% | 0.83% | -1.96% | 5.00% | 10.08% | 11.82% | 13.64% | +1,560 bps | |
| Deposit Growth (YoY) | 3.82% | 3.03% | 7.26% | -3.08% | 10.49% | 9.82% | 5.88% | 9.58% | +1,266 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.40% | 1.42% | 0.08% | 0.09% | 0.10% | 0.15% | 0.10% | 0.71% | +63 bps | |
| Net Charge-Offs / Loans | 0.14% | 0.17% | 0.25% | 0.20% | 0.20% | 0.18% | 0.12% | 0.09% | -11 bps | |
| Allowance / Loans | 0.98% | 1.00% | 0.95% | 0.93% | 0.87% | 0.91% | 0.91% | 0.90% | -3 bps | |
| Allowance Coverage of NPLs | 0.7x | 0.7x | 11.5x | 10.9x | 8.8x | 6.1x | 9.0x | 1.3x | -9.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.89% | 8.77% | 8.92% | 8.89% | 8.90% | 8.45% | 10.80% | 10.64% | +175 bps | |
| Total Risk-Based Capital | 11.81% | 11.58% | 11.75% | 12.48% | 11.94% | 11.29% | 14.34% | 14.19% | +171 bps | |
| Equity / Assets | 9.00% | 8.83% | 8.62% | 8.94% | 8.47% | 8.44% | 10.39% | 10.69% | +175 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 100.77% | 98.41% | 92.85% | 96.45% | 95.76% | 98.64% | 98.06% | 100.03% | +358 bps | |
| Liquid Assets / Assets | 0.57% | 0.02% | 0.04% | 0.15% | 0.14% | 0.21% | 0.23% | 0.04% | -11 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 342% | 404% | 335% | n/a | n/a | |
Lexington, TN · Cert 31272 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Community National Corp.
State charter, Fed member · FED · 4 branches
Q2 2026
Return on Assets
0.76%
Rank 542 of 746
Net Interest Margin
3.89%
Rank 296 of 746
Efficiency Ratio
73.42%
Rank 534 of 746
Equity / Assets
10.69%
Rank 349 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.76% | 0.72% | 1.06% | 1.45% | Beats 27% | 542 / 746 | ||
| Return on Equity | 7.08% | 6.74% | 10.51% | 13.63% | Beats 28% | 540 / 746 | ||
| Net Interest Margin | 3.89% | 3.17% | 3.68% | 4.16% | Beats 60% | 296 / 746 | ||
| Efficiency Ratio | 73.42% | 55.74% | 64.58% | 75.47% | Beats 29% | 534 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.71% | 0.09% | 0.42% | 1.07% | Beats 37% | 469 / 743 | ||
| Net Charge-Offs / Loans | 0.05% | 0.00% | 0.01% | 0.05% | Beats 24% | 568 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.18% | 11.55% | 13.75% | 17.60% | Beats 44% | 418 / 746 | ||
| Total Risk-Based Capital Ratio | 14.19% | 11.71% | 14.33% | 18.43% | Beats 49% | 383 / 746 | ||
| Equity / Assets | 10.69% | 8.90% | 10.51% | 13.06% | Beats 53% | 349 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 100.03% | 61.31% | 78.27% | 90.78% | 90th pctl | 77 / 746 | ||
| Loans / Assets | 84.23% | 53.60% | 66.97% | 76.08% | 94th pctl | 47 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||