TellerScore

Headquartered in Seneca, Kansas, Community National Bank is a national bank with $853.1M in total assets and $772.6M in deposits as of Q2 2026. It operates 6 offices. Its charter dates back to 1984.

Based on its Q2 2026 filing, Community National Bank scores 67/100, which we describe as moderate. That is higher than only 34% of 2,650 banks with $100 million – $1 billion. Among 185 banks headquartered in Kansas, it ranks 141st. Its strongest component is funding & liquidity (98/100; 49% loans-to-deposits, 17% uninsured), and its lowest is capital cushion (47/100; 9.66%).

TellerScore · Q2 2026

Scorecard

Capital cushion47/100
Tier 1 leverage ratio: 9.66%
Loan quality51/100
Noncurrent loans ÷ total loans: 1.47%
Earnings86/100
Return on assets (annualized): 1.65%
Funding & liquidity98/100
Loans ÷ deposits and uninsured-deposit share: 49.1% · 17.3% uninsured
Problem-loan coverage82/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 8.88%

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 rose 2 points (65 → 67), mostly because the problem-loan coverage component improved by 5 points.

TellerScore
556269Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202455
Q3 202459
Q4 202460
Q1 202564
Q2 202565
Q3 202569
Q4 202568
Q1 202667
Q2 202667
Tier 1 leverage ratio
5.00%7.33%9.66%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.60%
Q3 20248.77%
Q4 20249.04%
Q1 20259.46%
Q2 20259.61%
Q3 20259.64%
Q4 20259.38%
Q1 20269.37%
Q2 20269.66%
Noncurrent loans
1.15%1.51%1.86%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.86%
Q3 20241.68%
Q4 20241.62%
Q1 20251.53%
Q2 20251.52%
Q3 20251.17%
Q4 20251.15%
Q1 20261.23%
Q2 20261.47%
Return on assets
1.21%1.43%1.65%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.21%
Q3 20241.26%
Q4 20241.34%
Q1 20251.46%
Q2 20251.58%
Q3 20251.61%
Q4 20251.61%
Q1 20261.45%
Q2 20261.65%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202667$853.1M9.66%1.47%1.65%49.1%
Q1 202667$903.9M9.37%1.23%1.45%48.6%
Q4 202568$890.6M9.38%1.15%1.61%51.1%
Q3 202569$855.3M9.64%1.17%1.61%52.9%
Q2 202565$854.1M9.61%1.52%1.58%51.6%
Q1 202564$855.7M9.46%1.53%1.46%51.7%
Q4 202460$861.3M9.04%1.62%1.34%50.5%
Q3 202459$862.9M8.77%1.68%1.26%51.6%
Q2 202455$867.7M8.60%1.86%1.21%49.5%

2,650 peers · $100 million – $1 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).

Capital ratio9.66%
25th
Total risk-based capital16.24%
74th
Problem loans1.47%
19th
Net charge-offs0.01%
47th
Return on assets1.65%
73rd
Net interest margin3.16%
15th
Efficiency ratio59.8%
58th
Loans to deposits49.1%
92nd
Uninsured deposits17.3%
74th
Loan-loss reserves1.27%
59th
Texas ratio8.9%
21st

Similar-size banks in Kansas

InstitutionScoreAssetsCapitalProblem loansCompare
Legacy BankBank Colwich, KS74 out of 100, Strong$865.0M10.6%0.06%vs
First Option BankBank Osawatomie, KS68 out of 100, Moderate$817.6M8.2%0.02%vs
United Bank & TrustBank Marysville, KS79 out of 100, Strong$892.9M11.5%0.00%vs
The Western State BankBank Garden City, KS49 out of 100, Below average$802.1M10.7%3.04%vs
Dream First Bank, National AssociationBank Syracuse, KS55 out of 100, Moderate$963.7M9.7%1.86%vs
Union State BankBank Arkansas City, KS76 out of 100, Strong$719.1M10.2%0.19%vs

Deposit insurance

Is my money safe at Community National Bank?

Yes. Community National Bank is an FDIC-insured institution (FDIC certificate #25665). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 17.3% of deposits ($133.3M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.66%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.24% (benchmark: 10%).

Check how much of your own balance is covered

6 locations

Branches

Community National Bank lists 6 offices in 6 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Community National Bank reported 266 home-loan applications under HMDA (LEI 549300IY6RZNCBF0QZ14): 252 originated ($55,960,000 total), 4 denied, and 10 withdrawn or closed by the applicant. Its denial rate on decided applications was 1.6%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Community National Bank
Type
National bank
FDIC certificate #
25665
RSSD ID
354552
Primary regulator
OCC
Holding company
Community Bancshares Inc
Established
October 4, 1984
Headquarters
210 Main St, Seneca, KS 66538
Employees
129

Quick answers

Community National Bank: common questions

Is Community National Bank FDIC insured?

Yes. Community National Bank is an FDIC-insured institution (FDIC certificate #25665). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Community National Bank's TellerScore?

67 out of 100 (Moderate), 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 #25665 in the FDIC failed bank list.

How many branches does Community National Bank have?

6 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Seneca

InstitutionScoreAssetsCapitalProblem loansCompare
The State Bank of BernBank Bern, KS95 out of 100, Very strong$128.2M17.3%0.00%vs
GNBank, National AssociationBank Girard, KS80 out of 100, Strong$1.1B11.6%0.13%vs
United Bank & TrustBank Marysville, KS79 out of 100, Strong$892.9M11.5%0.00%vs
Union Bank and Trust CompanyBank Lincoln, NE76 out of 100, Strong$9.2B10.6%0.32%vs
The Farmers State BankBank Fairview, KS75 out of 100, Strong$26.6M10.2%0.66%vs
Western National BankBank Chester, NE74 out of 100, Strong$257.4M9.1%0.02%vs