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
Unfavorable gap of $20.1M · efficiency ratio beats 70% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.66% | 0.91% | 1.22% | 1.52% | Beats 80% | 65 / 328 | |
| Return on Equity | 14.66% | 8.43% | 11.45% | 14.43% | Beats 78% | 72 / 328 | |
| Net Interest Margin | 3.69% | 3.03% | 3.45% | 3.83% | Beats 68% | 105 / 328 | |
| Efficiency Ratio | 52.83% | 51.61% | 59.56% | 67.53% | Beats 70% | 98 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.86% | 0.24% | 0.51% | 1.03% | Beats 30% | 225 / 322 | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.03% | 0.10% | Beats 75% | 80 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 14.79% | 11.75% | 13.15% | 15.47% | Beats 69% | 102 / 328 | |
| Total Risk-Based Capital Ratio | 16.05% | 12.63% | 14.15% | 16.46% | Beats 72% | 91 / 328 | |
| Equity / Assets | 11.31% | 9.15% | 10.33% | 12.01% | Beats 64% | 117 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 98.87% | 76.63% | 87.92% | 95.36% | 83rd pctl | 55 / 323 | |
| Loans / Assets | 82.95% | 65.18% | 74.15% | 79.98% | 85th pctl | 50 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |