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Community National Bank

$1B-$10B Specialty: Commercial TX FDIC cert 24897

Designations: ✓ Community bank

Midland, TX

12 branches across TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 78 in TX.
  • Deposits +4.9% year over year ($2.2B on the books).
  • Delinquency rate 1.69%.
  • Return on assets 2.10%.
  • Efficiency ratio 47.63% vs a 59.73% peer average.
  • Loan-to-deposit ratio 71.53% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 78 in TX
View $1B-$10B leaderboard (TX) →

Community National Bank has 3 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Deposit Franchise: Top 10.0% in tier
  • + Return on Assets 0.71% above tier average
  • + Efficiency Ratio 12.09% below tier average

Key Concerns

Areas that may need attention

  • - Delinquency Rate 0.82% above tier average
Get updates when Community National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $2.5B
+5.9% YoY -1.4% QoQ
-$251.6M $2.8B
-0.6% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
62%
Total Loans ? $1.6B
-1.2% YoY -0.8% QoQ
-$401.9M $2.0B
-0.3% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
55%
Total Deposits ? $2.2B
+4.9% YoY -2.0% QoQ
-$136.2M $2.3B
-0.5% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
63%
Return on Assets ? 2.10%
-7.8% YoY +3.0% QoQ
+0.71% 1.39%
+17.0% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
Top 8.7% in tier
Net Interest Margin ? 5.06%
-2.5% YoY +2.0% QoQ
+1.19% 3.87%
+6.2% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
Top 4.5% in tier
Efficiency Ratio ? 47.63%
+6.8% YoY -2.0% QoQ
-12.09% 59.73%
-12.6% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
83%
Delinquency Rate ? 1.69%
+58.4% YoY +136.4% QoQ
+0.82% 0.87%
+11.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
Bottom 12.5% in tier
Loan-to-Deposit Ratio ? 71.53%
-5.8% YoY +1.3% QoQ
-13.50% 85.04%
-0.1% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
82%
Non-Interest-Bearing Deposit Share ? 48.69%
-5.7% YoY +2.6% QoQ
+27.42% 21.27%
-1.5% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
Top 1.8% in tier
Nonperforming Asset Ratio ? 1.16%
+56.7% YoY +128.3% QoQ
+0.49% 0.67%
+11.7% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
17%
Tier 1 Capital Ratio ? 17.14%
+17.8% YoY +4.3% QoQ
+2.30% 14.84%
-0.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
Top 14.5% in tier
Non-Interest Income / Assets ? 0.21%
-6.2% YoY +118.3% QoQ
-0.31% 0.53%
+2.5% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
34%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Noninterest-Bearing 48.7%
-2.9pp YoY
+1.2pp QoQ
 +27.3pp 21.4% 29.2% 22.2% 98%
Brokered Deposits n/a n/a 9.5% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
C&I 32.5%
+0.9pp YoY
-0.4pp QoQ
 +18.5pp 14.0% 14.8% 12.5% 93%
CRE 49.6%
-1.9pp YoY
0.0pp QoQ
 -0.4pp 50.0% 48.4% 41.4% 49%
1-4 Family 10.6%
+0.9pp YoY
+0.3pp QoQ
 -15.9pp 26.4% 25.8% 31.3% 18%
Consumer 0.8%
-0.2pp YoY
0.0pp QoQ
 -3.9pp 4.7% 4.7% 5.0% 39%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio 17.1%
+2.6pp YoY
+0.7pp QoQ
 +1.5pp 15.6% 22.7% 19.7% 83%
Leverage Ratio 12.7%
+1.0pp YoY
+0.4pp QoQ
 +1.4pp 11.3% 12.6% 12.6% 82%
Total Capital Ratio 18.4%
+2.6pp YoY
+0.7pp QoQ
 +1.7pp 16.7% 23.8% 20.8% 84%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 275
-1 (-0.4%) YoY
+3 (+1.1%) QoQ
 -39 313 186 482 61%
Assets per Employee ($) $9.2M
+6.3% YoY
-2.5% QoQ
 -$1.2M $10.5M $10.1M $8.8M 57%
Branch Count 12
+1 (+9.1%) YoY
0 QoQ
 -8 20 12 18 39%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days 0.0%
-0.3pp YoY
 -0.1pp 0.2% 0.3% 0.4% 39%
Nonaccrual 1.7%
+0.9pp YoY
+1.0pp QoQ
 +0.8pp 0.8% 1.0% 1.0% 89%
Allowance Coverage 1.00x
-32.6% YoY
-56.6% QoQ
 -17.71x 18.71x 18.82x 20.23x 24%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.1% 0.2% 26%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 16.9%
-3.1pp YoY
+0.2pp QoQ
 +4.3pp 12.6% 13.2% 11.6% 82%
Cost of Funds (YTD) 0.9%
-0.1pp YoY
0.0pp QoQ
 -1.0pp 1.9% 1.6% 1.7% 5%
Net Income ($, YTD) $27.0M
-2.1% YoY
— QoQ
 +$7.8M $19.2M $15.9M $40.4M 79%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Deposit Franchise

growth
#9 of 80 • Top 10.0% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 48.69%
(Tier: 21.27%, National: 21.98%)
better than tier avg
Net Interest Margin: 5.06%
(Tier: 3.87%, National: 3.95%)
better than tier avg
80 of 80 Mid-Market banks match · 368 nationally
→ Stable -1 banks QoQ

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (6 metrics)

17
Non-Interest-Bearing Deposit Share
funding
Value: 48.69%
Peer Median: 21.27%
#17 of 885 Top 1.8% in $1B-$10B
41
Net Interest Margin
profitability
Value: 5.06%
Peer Median: 3.87%
#41 of 885 Top 4.5% in $1B-$10B
78
Return on Assets
profitability
Value: 2.10%
Peer Median: 1.39%
#78 of 885 Top 8.7% in $1B-$10B
129
Tier 1 Capital Ratio
capital
Value: 17.14%
Peer Median: 14.84%
#129 of 885 Top 14.5% in $1B-$10B
155
Efficiency Ratio
profitability
Value: 47.63%
Peer Median: 59.73%
#155 of 885 Top 17.4% in $1B-$10B
158
Loan-to-Deposit Ratio
liquidity
Value: 71.53%
Peer Median: 85.04%
#158 of 885 Top 17.7% in $1B-$10B

Top Weaknesses (2 metrics)

773
Delinquency Rate
credit_quality
Value: 1.69%
Peer Median: 0.87%
#773 of 882 Bottom 12.5% in $1B-$10B
734
Nonperforming Asset Ratio
credit_quality
Value: 1.16%
Peer Median: 0.67%
#734 of 885 Bottom 17.2% in $1B-$10B
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