PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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