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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.65% | 0.72% | 0.62% | 0.74% | 0.78% | +13 bps | |
| Return on Equity | 7.38% | 8.28% | 7.39% | 7.81% | 7.39% | +1 bps | |
| Net Interest Margin | 3.98% | 4.23% | 4.00% | 3.97% | 3.93% | -5 bps | |
| Efficiency Ratio | 78.88% | 73.57% | 71.69% | 73.36% | 73.49% | -539 bps | |
| Non-Interest Burden | 3.07% | 3.03% | 2.78% | 2.83% | 2.81% | -26 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.86% | 10.80% | 11.46% | 11.73% | 13.17% | +1,503 bps | |
| Loan Growth (YoY) | -1.96% | 5.00% | 10.08% | 11.82% | 13.64% | +1,560 bps | |
| Deposit Growth (YoY) | -3.08% | 10.49% | 9.82% | 5.88% | 9.58% | +1,266 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.09% | 0.10% | 0.15% | 0.10% | 0.71% | +63 bps | |
| Net Charge-Offs / Loans | 0.15% | 0.24% | 0.14% | 0.12% | 0.07% | -7 bps | |
| Allowance / Loans | 0.93% | 0.87% | 0.91% | 0.91% | 0.90% | -3 bps | |
| Allowance Coverage of NPLs | 10.9x | 8.8x | 6.1x | 9.0x | 1.3x | -9.6x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.89% | 8.90% | 8.45% | 10.80% | 10.64% | +175 bps | |
| Total Risk-Based Capital | 12.48% | 11.94% | 11.29% | 14.34% | 14.19% | +171 bps | |
| Equity / Assets | 8.94% | 8.47% | 8.44% | 10.39% | 10.69% | +175 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 96.45% | 95.76% | 98.64% | 98.06% | 100.03% | +358 bps | |
| Liquid Assets / Assets | 0.15% | 0.14% | 0.21% | 0.23% | 0.04% | -11 bps | |
| CRE / Total Capital | n/a | 342% | 404% | 335% | n/a | n/a | |