Community National Bank & Trust

Community National Bank & Trust is headquartered in Chanute and is the 12^st largest bank in the state of Kansas. It is also the 845^th largest bank in the nation. It was established in 1987 and as of March of 2012, it had grown to 275 employees at 25 locations. Community National Bank & Trust has a 4-star health rating.

Data for Q1 2012

Institution Statistics Community National Bank & Trust FDIC Certificate # 27046 BankRate Report View Year Established 1987 Employees 275 Primary Regulator OCC Assets and Liabilities Assets $782.36 million Loans $458.65 million Deposits $650.47 million Equity Capital $65.22 million Loan Loss Allowance $6.51 million Unbacked Noncurrent Loans $3.40 million Real Estate Owned $4.51 million Historic Data - March 2011 Assets $725.62 million Equity Capital $59.16 million Loan Loss Allowance $5.84 million Unbacked Noncurrent Loans $4.86 million Real Estate Owned $2.53 million Profit Margin - Quarterly Net Interest Margin 3.61% Return on Assets 0.82% Return on Equity 9.76% Interest Income $8.06 million

Institution Health Overall Score: 4 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 & Trust had $7.91 million in non-current loans and owned real-estate with $71.73 million in equity and loan loss allowances on hand to cover it. This gives Community National Bank & Trust a Texas Ratio of 11.02% which is above 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 & Trust held steady from 11.38% as of March 31, 2011 to 11.02% as of March 31, 2012, resulting in a positive change of 3.10%.This indicates that the balance sheet and financial strength for Community National Bank & Trust has held steady in recent periods. Deposit Growth In the past year, Community National Bank & Trust has increased its total deposits by $45.47 million, resulting in 7.52% 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 & Trust has shown is excellent. 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 & Trust has $782.36 million in assets with $71.73 million in equity, resulting in a capitalization level of 9.17%, which is average.

No reviews have been left for this bank yet. Be the first to review.