TellerScore

Community National Bank & Trust is a national bank headquartered in Chanute, Kansas, in business for about 39 years. At the end of Q2 2026 it reported $2.5B in total assets and $2.2B in deposits, with 44 offices across 3 states.

Community National Bank & Trust has a TellerScore of 65 out of 100 (moderate) based on Q2 2026 data — higher than only 36% of its 897 banks with $1 billion – $10 billion. Among 185 banks headquartered in Kansas, it ranks 149th. Problem-loan coverage contributes the most (88/100, 5.9%); capital cushion contributes the least (40/100, 8.97%).

TellerScore · Q2 2026

Scorecard

Capital cushion40/100
Tier 1 leverage ratio: 8.97%
Loan quality73/100
Noncurrent loans ÷ total loans: 0.80%
Earnings67/100
Return on assets (annualized): 1.17%
Funding & liquidity82/100
Loans ÷ deposits and uninsured-deposit share: 75.9% · 16.6% uninsured
Problem-loan coverage88/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 5.85%

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 6 points (59 → 65), mostly because the earnings component improved by 18 points.

TellerScore
586265Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202461
Q3 202461
Q4 202459
Q1 202558
Q2 202559
Q3 202562
Q4 202563
Q1 202663
Q2 202665
Tier 1 leverage ratio
5.00%6.98%8.97%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.67%
Q3 20248.60%
Q4 20248.70%
Q1 20258.68%
Q2 20258.45%
Q3 20258.90%
Q4 20258.85%
Q1 20268.87%
Q2 20268.97%
Noncurrent loans
0.67%0.80%0.92%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.69%
Q3 20240.67%
Q4 20240.89%
Q1 20250.89%
Q2 20250.92%
Q3 20250.87%
Q4 20250.77%
Q1 20260.86%
Q2 20260.80%
Return on assets
0.47%0.82%1.17%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.63%
Q3 20240.64%
Q4 20240.69%
Q1 20250.47%
Q2 20250.72%
Q3 20250.89%
Q4 20250.96%
Q1 20261.04%
Q2 20261.17%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202665$2.5B8.97%0.80%1.17%75.9%
Q1 202663$2.5B8.87%0.86%1.04%75.4%
Q4 202563$2.5B8.85%0.77%0.96%75.7%
Q3 202562$2.4B8.90%0.87%0.89%76.2%
Q2 202559$2.3B8.45%0.92%0.72%75.7%
Q1 202558$2.3B8.68%0.89%0.47%75.6%
Q4 202459$2.2B8.70%0.89%0.69%76.8%
Q3 202461$2.2B8.60%0.67%0.64%75.1%
Q2 202461$2.2B8.67%0.69%0.63%74.8%

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).

Capital ratio8.97%
11th
Total risk-based capital14.24%
57th
Problem loans0.80%
34th
Net charge-offs0.05%
44th
Return on assets1.17%
43rd
Net interest margin4.13%
75th
Efficiency ratio63.4%
36th
Loans to deposits75.9%
75th
Uninsured deposits16.6%
89th
Loan-loss reserves1.20%
59th
Texas ratio5.9%
32nd

Similar-size banks in Kansas

InstitutionScoreAssetsCapitalProblem loansCompare
KS StateBankBank Manhattan, KS64 out of 100, Moderate$2.6B13.0%2.49%vs
Emprise BankBank Wichita, KS66 out of 100, Moderate$2.8B7.7%0.37%vs
Fidelity Bank, National AssociationBank Wichita, KS60 out of 100, Moderate$3.3B10.0%0.75%vs
Landmark National BankBank Manhattan, KS62 out of 100, Moderate$1.6B10.2%1.18%vs
Peoples Bank and Trust CompanyBank Mcpherson, KS61 out of 100, Moderate$1.6B9.3%0.92%vs
Armed Forces Bank, National AssociationBank Fort Leavenworth, KS83 out of 100, Strong$1.4B13.9%1.21%vs

Deposit insurance

Is my money safe at Community National Bank & Trust?

Yes. Community National Bank & Trust is an FDIC-insured institution (FDIC certificate #27046). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 16.6% of deposits ($366.6M) 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 8.97%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.24% (benchmark: 10%).

Check how much of your own balance is covered

44 locations

Branches

Community National Bank & Trust lists 40 offices in 39 cities across 3 states. Most locations:

  • Emporia, KS (2)
  • Arkansas City, KS (1)
  • Arma, KS (1)
  • Augusta, KS (1)
  • Benton, KS (1)
  • Buhler, KS (1)
  • Burns, KS (1)
  • Caney, KS (1)
  • Carthage, MO (1)
  • Chanute, KS (1)
  • Cherryvale, KS (1)
  • Coffeyville, KS (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Community National Bank & Trust reported 1,521 home-loan applications under HMDA (LEI 549300MUMD1WPCSXT518): 1,284 originated ($201,840,000 total), 77 denied, and 134 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.6%, 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 & Trust
Former names
Community National Bank
Type
National bank
FDIC certificate #
27046
RSSD ID
923752
Primary regulator
OCC
Holding company
Community Bcorp Inc
Established
September 4, 1987
Headquarters
14 N Lincoln Ave, Chanute, KS 66720
Employees
505

Quick answers

Community National Bank & Trust: common questions

Is Community National Bank & Trust FDIC insured?

Yes. Community National Bank & Trust is an FDIC-insured institution (FDIC certificate #27046). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Community National Bank & Trust's TellerScore?

65 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 & Trust ever failed?

There is no failure record for FDIC certificate #27046 in the FDIC failed bank list.

How many branches does Community National Bank & Trust have?

44 offices as of the latest FDIC data, in 3 states.

Nearby

Highest-scoring banks and credit unions with branches near Chanute

InstitutionScoreAssetsCapitalProblem loansCompare
First National Bank in FredoniaBank Fredonia, KS87 out of 100, Very strong$104.4M16.7%0.63%vs
Home Savings BankBank Chanute, KS86 out of 100, Very strong$115.1M16.7%0.12%vs
Exchange State BankBank Saint Paul, KS84 out of 100, Strong$105.0M11.6%0.00%vs
GNBank, National AssociationBank Girard, KS80 out of 100, Strong$1.1B11.6%0.13%vs
FirstOak BankBank Independence, KS75 out of 100, Strong$241.2M10.5%0.00%vs
Bank of CommerceBank Chanute, KS74 out of 100, Strong$497.5M9.2%0.05%vs