Community National Bank (FDIC certificate #24897) is based in Midland, Texas. Its Q2 2026 call report shows $2.5B in total assets and $2.2B in deposits and 12 offices.
Based on its Q2 2026 filing, Community National Bank scores 70/100, which we describe as strong. That is higher than 58% of 897 banks with $1 billion – $10 billion. Among 349 banks headquartered in Texas, it ranks 219th. Its strongest component is earnings (100/100; 2.10%), and its lowest is loan quality (45/100; 1.66%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 2 points (72 → 70), mostly because the loan quality component weakened by 20 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 78 |
| Q3 2024 | 77 |
| Q4 2024 | 77 |
| Q1 2025 | 77 |
| Q2 2025 | 72 |
| Q3 2025 | 75 |
| Q4 2025 | 74 |
| Q1 2026 | 78 |
| Q2 2026 | 70 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.86% |
| Q3 2024 | 11.43% |
| Q4 2024 | 11.45% |
| Q1 2025 | 11.54% |
| Q2 2025 | 11.69% |
| Q3 2025 | 12.63% |
| Q4 2025 | 12.08% |
| Q1 2026 | 12.29% |
| Q2 2026 | 12.68% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.47% |
| Q3 2024 | 0.46% |
| Q4 2024 | 0.38% |
| Q1 2025 | 0.55% |
| Q2 2025 | 1.05% |
| Q3 2025 | 0.95% |
| Q4 2025 | 1.09% |
| Q1 2026 | 0.70% |
| Q2 2026 | 1.66% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.35% |
| Q3 2024 | 2.35% |
| Q4 2024 | 2.27% |
| Q1 2025 | 2.32% |
| Q2 2025 | 2.28% |
| Q3 2025 | 2.29% |
| Q4 2025 | 2.27% |
| Q1 2026 | 2.04% |
| Q2 2026 | 2.10% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 70 | $2.5B | 12.68% | 1.66% | 2.10% | 71.5% |
| Q1 2026 | 78 | $2.6B | 12.29% | 0.70% | 2.04% | 70.6% |
| Q4 2025 | 74 | $2.6B | 12.08% | 1.09% | 2.27% | 71.0% |
| Q3 2025 | 75 | $2.3B | 12.63% | 0.95% | 2.29% | 81.4% |
| Q2 2025 | 72 | $2.4B | 11.69% | 1.05% | 2.28% | 76.0% |
| Q1 2025 | 77 | $2.5B | 11.54% | 0.55% | 2.32% | 73.2% |
| Q4 2024 | 77 | $2.4B | 11.45% | 0.38% | 2.27% | 73.9% |
| Q3 2024 | 77 | $2.2B | 11.43% | 0.46% | 2.35% | 75.8% |
| Q2 2024 | 78 | $2.2B | 11.86% | 0.47% | 2.35% | 76.6% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| American National Bank & TrustBank Wichita Falls, TX | 61 out of 100, Moderate | $2.5B | 10.2% | 0.88% | vs |
| Horizon Bank, SSBBank Austin, TX | 72 out of 100, Strong | $2.6B | 9.0% | 0.00% | vs |
| Extraco Banks, National AssociationBank Temple, TX | 70 out of 100, Strong | $2.6B | 8.7% | 0.04% | vs |
| State Bank of TexasBank Irving, TX | 74 out of 100, Strong | $2.6B | 15.7% | 2.16% | vs |
| Wells Fargo Bank South Central, National AssociationBank Houston, TX | 80 out of 100, Strong | $2.6B | 29.7% | 1.24% | vs |
| TexasBankBank Fort Worth, TX | 80 out of 100, Strong | $2.5B | 12.9% | 0.41% | vs |
Deposit insurance
Is my money safe at Community National Bank?
Yes. Community National Bank is an FDIC-insured institution (FDIC certificate #24897). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 48.6% of deposits ($1.1B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.68%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.39% (benchmark: 10%).
12 locations
Branches
Community National Bank lists 12 offices in 5 cities. Most locations:
- Midland, TX (7)
- Lubbock, TX (2)
- Dallas, TX (1)
- Odessa, TX (1)
- Stanton, TX (1)
Identity & history
Profile
- Legal name
- Community National Bank
- Type
- National bank
- FDIC certificate #
- 24897
- RSSD ID
- 293053
- Primary regulator
- OCC
- Holding company
- Midland Bancshares Inc
- Established
- January 3, 1984
- Headquarters
- 500 W Illinois Ave, Midland, TX 79701
- Website
- www.cnbtx.bank
- Employees
- 275
Quick answers
Community National Bank: common questions
Is Community National Bank FDIC insured?
Yes. Community National Bank is an FDIC-insured institution (FDIC certificate #24897). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Community National Bank's TellerScore?
70 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Community National Bank ever failed?
There is no failure record for FDIC certificate #24897 in the FDIC failed bank list.
How many branches does Community National Bank have?
12 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Midland
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Citizens Federal Credit UnionCredit union Big Spring, TX | 90 out of 100, Very strong | $201.9M | 14.6% | 0.13% | vs |
| Odessa Employees Credit UnionCredit union Odessa, TX | 89 out of 100, Very strong | $21.0M | 16.1% | 0.00% | vs |
| The First National Bank of StantonBank Stanton, TX | 85 out of 100, Very strong | $394.9M | 17.5% | 1.08% | vs |
| Midland Municipal Employees Credit UnionCredit union Midland, TX | 85 out of 100, Very strong | $17.1M | 14.9% | 0.44% | vs |
| Complex Community Federal Credit UnionCredit union Odessa, TX | 85 out of 100, Very strong | $818.2M | 13.8% | 0.59% | vs |
| Southwest Heritage Credit UnionCredit union Odessa, TX | 83 out of 100, Strong | $260.9M | 13.3% | 0.20% | vs |