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Community National Bank

$1B-$10B Specialty: Commercial VT FDIC cert 6271

Designations: ✓ Community bank

Derby, VT

12 branches across VT

884 banks in the $1B-$10B peer group nationally 4 in VT
View $1B-$10B leaderboard (VT) →

Community National Bank has 3 strengths but faces 2 concerns

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

  • + ROA 0.13% above tier average
  • + Efficiency Ratio 7.08% below tier average
  • + Delinquency Rate 0.09% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 29.3% in tier
  • - Net Interest Margin 0.07% below tier average
Get updates when Community National Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (VT) National Avg Tier Percentile
Total Assets ? $1.2B
+4.0% YoY -4.0% QoQ
-$1.6B $2.8B
-0.1% YoY
$743.5M
+4.5% YoY
$6.2B
+9.1% YoY
19%
Total Loans ? $973.7M
+4.6% YoY +1.9% QoQ
-$991.1M $2.0B
+0.6% YoY
$533.5M
+5.7% YoY
$3.2B
+10.8% YoY
30%
Total Deposits ? $1.0B
+3.9% YoY -4.9% QoQ
-$1.3B $2.3B
-0.3% YoY
$610.4M
+4.0% YoY
$4.8B
+8.2% YoY
16%
Return on Assets ? 1.50%
+19.7% YoY +0.7% QoQ
+0.13% 1.37%
+19.6% YoY
0.81%
+21.8% YoY
1.23%
+13.4% YoY
71%
Net Interest Margin ? 3.75%
+11.1% YoY +3.3% QoQ
-0.07% 3.82%
+6.9% YoY
3.55%
+8.5% YoY
3.89%
+5.7% YoY
56%
Efficiency Ratio ? 53.98%
-6.0% YoY +0.4% QoQ
-7.08% 61.06%
-4.6% YoY
76.06%
-2.4% YoY
66.95%
-4.1% YoY
67%
Delinquency Rate ? 0.80%
-20.5% YoY +2.4% QoQ
-0.09% 0.89%
+14.1% YoY
0.54%
-9.4% YoY
0.95%
+18.8% YoY
35%
Loan-to-Deposit Ratio ? 95.54%
+0.6% YoY +7.2% QoQ
+11.34% 84.20%
+0.3% YoY
85.29%
+3.0% YoY
76.70%
+0.9% YoY
23%
Non-Interest-Bearing Deposit Share ? 19.69%
-2.8% YoY -4.1% QoQ
-1.59% 21.29%
-2.5% YoY
19.30%
-2.0% YoY
22.01%
-1.2% YoY
51%
Nonperforming Asset Ratio ? 0.63%
-20.0% YoY +4.4% QoQ
-0.04% 0.67%
+15.6% YoY
0.47%
-6.9% YoY
0.67%
+19.3% YoY
34%
Tier 1 Capital Ratio ? 14.36%
+4.9% YoY +1.6% QoQ
-0.80% 15.16%
+2.0% YoY
15.07%
+1.0% YoY
17.06%
+0.8% YoY
67%
Non-Interest Income / Assets ? 0.14%
+6.3% YoY -77.0% QoQ
-0.12% 0.26%
+1.6% YoY
0.16%
-5.6% YoY
0.32%
+4.1% YoY
50%

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 (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Strain

risk
#99 of 334 • Bottom 29.3% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 95.54%
(Tier: 84.20%, National: 76.70%)
worse than tier avg
334 of 334 Mid-Market banks match · 1013 nationally
→ Stable -50 banks QoQ

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 884 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (3 metrics)

741
Total Deposits
size
Value: $1.02B
Peer Median: $2.34B
#741 of 884 Bottom 16.3% in $1B-$10B
716
Total Assets
size
Value: $1.23B
Peer Median: $2.82B
#716 of 884 Bottom 19.1% in $1B-$10B
680
Loan-to-Deposit Ratio
liquidity
Value: 95.54%
Peer Median: 84.20%
#680 of 884 Bottom 23.2% in $1B-$10B
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