Community National Bank (57345)

Community National Bank (57345) Locations

5123 Bellaire Boulevard
Bellaire, TX 77401
(713) 664-4777
www.commnatlbank.com

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Community National Bank (57345) is headquartered in Bellaire and is the 265^th largest bank in the state of Texas. It is also the 3,343^rd largest bank in the nation. It was established in 2002 and as of March of 2012, it had grown to 31 employees at 2 locations. Community National Bank (57345) has a 3-star health rating.

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See Rates for: Checking | Savings | Money Market | CD | IRA

Community National Bank (57345) Checking Account Rates

Apy	Min	Max	Product
0.25%	-	$1k	NOW Account
0.25%	-	$2,500	Commercial NOW Account

Community National Bank (57345) Savings Account Rates

Apy	Min	Max	Product
0.35%	$25k	-	Health Savings Account
0.25%	-	-	Savings Account

Community National Bank (57345) Money Market Rates

	Apy	Min	Max	Product
	0.35%	$100k	-	Money Market Account

Community National Bank (57345) CD Rates

Apy	Min	Max	Product
1.05%	$100k	-	60 Month Jumbo Community Club CD
0.95%	$1k	-	60 Month Community Club CD
0.95%	$100k	-	48 Month Jumbo Community Club CD
0.90%	$100k	-	36 Month Jumbo Community Club CD
0.85%	$1k	-	48 Month Community Club CD
0.80%	$100k	-	60 Month Jumbo CD
0.80%	$1k	-	36 Month Community Club CD
0.70%	$1k	-	60 Month CD
0.70%	$100k	-	48 Month Jumbo CD
0.65%	$100k	-	36 Month Jumbo CD
0.65%	$100k	-	24 Month Jumbo Community Club CD
0.60%	$1k	-	48 Month CD
0.60%	$100k	-	18 Month Jumbo Community Club CD
0.55%	$1k	-	36 Month CD
0.55%	$1k	-	24 Month Community Club CD
0.55%	$100k	-	12 Month Jumbo Community Club CD
0.50%	$1k	-	18 Month Community Club CD
0.45%	$1k	-	12 Month Community Club CD
0.40%	$100k	-	24 Month Jumbo CD
0.35%	$100k	-	18 Month Jumbo CD
0.30%	$1k	-	24 Month CD
0.30%	$100k	-	12 Month Jumbo CD
0.25%	$1k	-	18 Month CD
0.25%	$100k	-	181 - 364 Day Jumbo CD
0.20%	$1k	-	12 Month CD
0.15%	$1k	-	181 - 364 Day CD
0.15%	$100k	-	92 - 180 Day Jumbo CD
0.12%	$100k	-	32 -91 Day Jumbo CD
0.05%	$1k	-	92 - 180 Day CD
0.02%	$1k	-	32 -91 Day CD

Community National Bank (57345) IRA Rates

Apy	Min	Max	Product
1.05%	$100k	-	60 Month Jumbo Community Club IRA
1.05%	$100k	-	60 Month Jumbo Community Club Roth IRA
0.95%	$1k	-	60 Month Community Club IRA
0.95%	$100k	-	48 Month Jumbo Community Club IRA
0.95%	$100k	-	48 Month Jumbo Community Club Roth IRA
0.95%	$1k	-	60 Month Community Club Roth IRA
0.90%	$100k	-	36 Month Jumbo Community Club IRA
0.90%	$100k	-	36 Month Jumbo Community Club Roth IRA
0.85%	$1k	-	48 Month Community Club IRA
0.85%	$1k	-	48 Month Community Club Roth IRA
0.80%	$100k	-	60 Month Jumbo IRA
0.80%	$1k	-	36 Month Community Club IRA
0.80%	$1k	-	36 Month Community Club Roth IRA
0.80%	$100k	-	60 Month Jumbo Roth IRA
0.70%	$1k	-	60 Month IRA
0.70%	$100k	-	48 Month Jumbo IRA
0.70%	$100k	-	48 Month Jumbo Roth IRA
0.70%	$1k	-	60 Month Roth IRA
0.65%	$100k	-	36 Month Jumbo IRA
0.65%	$100k	-	24 Month Jumbo Community Club IRA
0.65%	$100k	-	24 Month Jumbo Community Club Roth IRA
0.65%	$100k	-	36 Month Jumbo Roth IRA
0.60%	$1k	-	48 Month IRA
0.60%	$100k	-	18 Month Jumbo Community Club IRA
0.60%	$100k	-	18 Month Jumbo Community Club Roth IRA
0.60%	$1k	-	48 Month Roth IRA
0.55%	$1k	-	36 Month IRA
0.55%	$1k	-	24 Month Community Club IRA
0.55%	$100k	-	12 Month Jumbo Community Club IRA
0.55%	$100k	-	12 Month Jumbo Community Club Roth IRA
0.55%	$1k	-	24 Month Community Club Roth IRA
0.55%	$1k	-	36 Month Roth IRA
0.50%	$1k	-	18 Month Community Club IRA
0.50%	$1k	-	18 Month Community Club Roth IRA
0.45%	$1k	-	12 Month Community Club IRA
0.45%	$1k	-	12 Month Community Club Roth IRA
0.40%	$100k	-	24 Month Jumbo IRA
0.40%	$100k	-	24 Month Jumbo Roth IRA
0.35%	$100k	-	18 Month Jumbo IRA
0.35%	$100k	-	18 Month Jumbo Roth IRA
0.30%	$1k	-	24 Month IRA
0.30%	$100k	-	12 Month Jumbo IRA
0.30%	$100k	-	12 Month Jumbo Roth IRA
0.30%	$1k	-	24 Month Roth IRA
0.25%	$1k	-	18 Month IRA
0.25%	$1k	-	18 Month Roth IRA
0.20%	$1k	-	12 Month IRA
0.20%	$1k	-	12 Month Roth IRA

Rates updated: 5/24/2012

Data for Q1 2012

Institution Statistics

Community National Bank
FDIC Certificate #	57345
BankRate Report	View
Year Established	2002
Employees	31
Primary Regulator	OCC
Assets and Liabilities
Assets	$182.85 million
Loans	$67.35 million
Deposits	$162.68 million
Equity Capital	$17.44 million
Loan Loss Allowance	$1.31 million
Unbacked Noncurrent Loans	$2.36 million
Real Estate Owned	$727,000
Historic Data - March 2011
Assets	$192.09 million
Equity Capital	$16.22 million
Loan Loss Allowance	$1.48 million
Unbacked Noncurrent Loans	$1.61 million
Real Estate Owned	$1.81 million
Profit Margin - Quarterly
Net Interest Margin	3.1%
Return on Assets	0.44%
Return on Equity	4.63%
Interest Income	$1.54 million

Institution Health

Overall Score:

3 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Community National Bank (57345) had $3.09 million in non-current loans and owned real-estate with $18.75 million in equity and loan loss allowances on hand to cover it. This gives Community National Bank (57345) a Texas Ratio of 16.48% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Community National Bank (57345) held steady from 19.33% as of March 31, 2011 to 16.48% as of March 31, 2012, resulting in a positive change of 14.78%.This indicates that the balance sheet and financial strength for Community National Bank (57345) has held steady in recent periods.
Deposit Growth
In the past year, Community National Bank (57345) has decreased its total deposits by -$12.86 million, resulting in -7.33% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Community National Bank (57345) has shown is poor.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Community National Bank (57345) has $182.85 million in assets with $18.75 million in equity, resulting in a capitalization level of 10.25%, which is above average.

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