Community National Bank is a national bank headquartered in Derby, Vermont, in business for about 175 years. At the end of Q2 2026 it reported $1.2B in total assets and $983.4M in deposits, with 12 offices.
Based on its Q2 2026 filing, Community National Bank scores 68/100, which we describe as moderate. That is higher than only 49% of 897 banks with $1 billion – $10 billion. Among 12 banks headquartered in Vermont, it ranks 6th. Its strongest component is problem-loan coverage (88/100; 5.8%), and its lowest is funding & liquidity (53/100; 98% loans-to-deposits, 23% uninsured).
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 rose 5 points (63 → 68), mostly because the earnings component improved by 9 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 64 |
| Q3 2024 | 65 |
| Q4 2024 | 61 |
| Q1 2025 | 62 |
| Q2 2025 | 63 |
| Q3 2025 | 66 |
| Q4 2025 | 67 |
| Q1 2026 | 67 |
| Q2 2026 | 68 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.74% |
| Q3 2024 | 9.78% |
| Q4 2024 | 9.40% |
| Q1 2025 | 9.81% |
| Q2 2025 | 10.06% |
| Q3 2025 | 10.28% |
| Q4 2025 | 9.92% |
| Q1 2026 | 10.19% |
| Q2 2026 | 10.63% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.75% |
| Q3 2024 | 0.59% |
| Q4 2024 | 0.98% |
| Q1 2025 | 1.00% |
| Q2 2025 | 0.98% |
| Q3 2025 | 0.89% |
| Q4 2025 | 0.78% |
| Q1 2026 | 0.79% |
| Q2 2026 | 0.86% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.12% |
| Q3 2024 | 1.14% |
| Q4 2024 | 1.22% |
| Q1 2025 | 1.25% |
| Q2 2025 | 1.36% |
| Q3 2025 | 1.46% |
| Q4 2025 | 1.49% |
| Q1 2026 | 1.50% |
| Q2 2026 | 1.58% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 68 | $1.2B | 10.63% | 0.86% | 1.58% | 97.7% |
| Q1 2026 | 67 | $1.2B | 10.19% | 0.79% | 1.50% | 95.5% |
| Q4 2025 | 67 | $1.3B | 9.92% | 0.78% | 1.49% | 89.1% |
| Q3 2025 | 66 | $1.2B | 10.28% | 0.89% | 1.46% | 94.4% |
| Q2 2025 | 63 | $1.2B | 10.06% | 0.98% | 1.36% | 99.8% |
| Q1 2025 | 62 | $1.2B | 9.81% | 1.00% | 1.25% | 95.0% |
| Q4 2024 | 61 | $1.2B | 9.40% | 0.98% | 1.22% | 91.6% |
| Q3 2024 | 65 | $1.2B | 9.78% | 0.59% | 1.14% | 97.1% |
| Q2 2024 | 64 | $1.1B | 9.74% | 0.75% | 1.12% | 100.3% |
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 Vermont
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Ledyard National BankBank Norwich, VT | 63 out of 100, Moderate | $1.1B | 8.3% | 0.31% | vs |
| Union BankBank Morrisville, VT | 45 out of 100, Below average | $1.6B | 7.8% | 1.35% | vs |
| Northfield Savings BankBank Northfield, VT | 68 out of 100, Moderate | $1.6B | 11.0% | 0.52% | vs |
Deposit insurance
Is my money safe at Community National Bank?
Yes. Community National Bank is an FDIC-insured institution (FDIC certificate #6271). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 23.4% of deposits ($229.8M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.63%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.05% (benchmark: 10%).
12 locations
Branches
Community National Bank lists 12 offices in 12 cities. Most locations:
- Barre, VT (1)
- Barton, VT (1)
- Derby, VT (1)
- Derby Line, VT (1)
- Enosburg Falls, VT (1)
- Island Pond, VT (1)
- Lyndonville, VT (1)
- Montpelier, VT (1)
- Morrisville, VT (1)
- Newport, VT (1)
- Saint Johnsbury, VT (1)
- Troy, VT (1)
Identity & history
Profile
- Legal name
- Community National Bank
- Former names
- The National Bank of Derby Line
- Type
- National bank
- FDIC certificate #
- 6271
- RSSD ID
- 270504
- Primary regulator
- OCC
- Holding company
- Community Bcorp
- Established
- January 15, 1851
- Headquarters
- 4811 U.S. Route 5, Derby, VT 05855
- Employees
- 133
Quick answers
Community National Bank: common questions
Is Community National Bank FDIC insured?
Yes. Community National Bank is an FDIC-insured institution (FDIC certificate #6271). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Community National Bank's TellerScore?
68 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 #6271 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 Derby
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Passumpsic Savings BankBank Saint Johnsbury, VT | 76 out of 100, Strong | $934.5M | 13.1% | 0.71% | vs |
| Northeast Schools and Hospital Credit UnionCredit union Newport, VT | 64 out of 100, Moderate | $5.6M | 8.9% | 0.23% | vs |
| North Country Federal Credit UnionCredit union Burlington, VT | 59 out of 100, Moderate | $1.1B | 9.7% | 1.09% | vs |
| Manufacturers and Traders Trust CompanyBank Buffalo, NY | 57 out of 100, Moderate | $218.8B | 9.5% | 1.35% | vs |
| Orlex Government Employees Credit UnionCredit union Newport, VT | 45 out of 100, Below average | $6.9M | 10.0% | 1.63% | vs |