PackageTrendsPeer
Letter portraitLegal landscape

Community National Bank

Derby, VT · Cert 6271 · Community Bcorp

National charter · OCC · 12 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

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.

Peer group

Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

68

Q2 2024Q2 2026peer median (50)

Asset Quality

53

Q2 2024Q2 2026peer median (50)

Profitability

75

Q2 2024Q2 2026peer median (50)

Liquidity

19

Q2 2024Q2 2026peer median

Efficiency

70

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Community National Bank

Derby, VT · Cert 6271 · Community Bcorp

National charter · OCC · 12 branches

Q2 2026

$1.2BAssets
$972.3MLoans
$983.4MDeposits
$132.5MEquity
Loan mix
87%RE $794.2M12%C&I $111.0M1%Consumer $9.0MQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $776.9M21%Noninterest $206.5MQ2 2025Q2 2026

NIM

4.61%Q2 ’244.91%Q2 ’255.18%Q2 ’26+10%+10%

Non-interest income vs. expense

2.22%Q2 ’242.19%Q2 ’252.28%Q2 ’26-2%+3%

Market Position · Burlington-South Burlington, VT · 2026 SOD (annual) · 0.6% share · #13 of 15 inst. · $0.1B of $8.2B

78.2% Orleans
17.1% Caledonia
7.7% Washington
5.5% Franklin

Executive Summary

  • Earnings: ROA of 1.58%, up 22 bps year over year; NIM at 3.69%.
  • Asset quality: problem loans at 0.86% of loans (-12 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 10.63%, up 57 bps from a year ago.
  • Funding: loans stand at 98.87% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.58%+22 bps YoY

Net Interest Margin (YTD, annualized)

3.69%+34 bps YoY

Efficiency Ratio (YTD, annualized)

52.83%-292 bps YoY

Tier 1 Leverage Ratio

10.63%+57 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.36%1.46%1.49%1.50%1.58%+22 bps
Return on Equity14.26%15.06%15.35%14.85%15.07%+80 bps
Net Interest Margin3.35%3.42%3.36%3.58%3.69%+34 bps
Efficiency Ratio55.75%54.12%53.76%53.98%52.83%-292 bps
Non-Interest Burden1.58%1.54%1.50%1.66%1.62%+4 bps
Growth
Asset Growth (YoY)6.01%4.16%3.10%3.99%0.53%-549 bps
Loan Growth (YoY)9.31%5.53%4.05%4.63%3.07%-624 bps
Deposit Growth (YoY)9.92%8.52%6.91%3.91%5.23%-469 bps
Asset Quality
Nonperforming Loans / Loans0.98%0.89%0.78%0.79%0.86%-12 bps
Net Charge-Offs / Loans0.02%0.01%0.04%0.00%-0.01%-2 bps
Allowance / Loans1.12%1.12%1.12%1.15%1.22%+10 bps
Allowance Coverage of NPLs1.1x1.3x1.5x1.4x1.4x+0.3x
Capital
Tier 1 Leverage Ratio10.06%10.28%9.92%10.19%10.63%+57 bps
Total Risk-Based Capital14.85%15.34%15.38%15.62%16.05%+120 bps
Equity / Assets10.14%10.07%9.75%10.44%11.31%+117 bps
Liquidity & Funding
Loans / Deposits100.95%95.43%90.13%96.65%98.87%-208 bps
Liquid Assets / Assets0.23%4.04%9.09%4.50%0.54%+31 bps
CRE / Total Capitaln/a374%385%379%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Community National Bank

Derby, VT · Cert 6271 · Peer group: banks $1B-$10B in assets (n=322-328) · Community Bcorp

National charter · OCC · 12 branches

Q2 2026

$1.2BAssets
$972.3MLoans
$983.4MDeposits
$132.5MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 80% of banks $1B-$10B in assets (rank 65 of 328).
  • Widest gap: nonperforming loans / loans trails 70% of banks $1B-$10B in assets (rank 225 of 322).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.66%

Rank 65 of 328

Net Interest Margin

3.69%

Rank 105 of 328

Efficiency Ratio

52.83%

Rank 98 of 328

Equity / Assets

11.31%

Rank 117 of 328

Non-interest income vs. expense

$8.1M$28.2MINCOMEEXPENSE
Unfavorable gap of $20.1M · efficiency ratio beats 70% of banks $1B-$10B in assets
Bank 52.83%Peer median 59.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.66%0.91%1.22%1.52%Beats 80%65 / 328
Return on Equity14.66%8.43%11.45%14.43%Beats 78%72 / 328
Net Interest Margin3.69%3.03%3.45%3.83%Beats 68%105 / 328
Efficiency Ratio52.83%51.61%59.56%67.53%Beats 70%98 / 328
Asset Quality
Nonperforming Loans / Loans0.86%0.24%0.51%1.03%Beats 30%225 / 322
Net Charge-Offs / Loans0.01%0.01%0.03%0.10%Beats 75%80 / 322
Capital
Tier 1 Capital Ratio14.79%11.75%13.15%15.47%Beats 69%102 / 328
Total Risk-Based Capital Ratio16.05%12.63%14.15%16.46%Beats 72%91 / 328
Equity / Assets11.31%9.15%10.33%12.01%Beats 64%117 / 328
Liquidity & Funding
Loans / Deposits98.87%76.63%87.92%95.36%83rd pctl55 / 323
Loans / Assets82.95%65.18%74.15%79.98%85th pctl50 / 328
Brokered Deposits / Depositsn/aNot reported for this institution