BlastPoint's Banking Scorecard

Community National Bank

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

Designations: ✓ Community bank

Derby, VT

12 branches across VT

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 4 in VT.
Deposits +5.2% year over year ($983.4M on the books).
Delinquency rate 0.87%.
Return on assets 1.58%.
Efficiency ratio 52.83% vs a 59.73% peer average.
Loan-to-deposit ratio 97.66% 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 4 in VT

View $1B-$10B leaderboard (VT) →

Community National Bank has 2 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

+ ROA 0.19% above tier average
+ Efficiency Ratio 6.90% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 29.6% in tier

Get updates when Community National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (VT)	National Avg	Tier Percentile
Total Assets ?	$1.2B +0.5% YoY -5.1% QoQ	-$1.6B	$2.8B -0.6% YoY	$744.2M +4.9% YoY	$6.3B +7.7% YoY	Bottom 14.8% in tier
Total Loans ?	$960.4M +3.0% YoY -1.4% QoQ	-$1.0B	$2.0B -0.3% YoY	$538.3M +6.1% YoY	$3.2B +9.4% YoY	29%
Total Deposits ?	$983.4M +5.2% YoY -3.5% QoQ	-$1.3B	$2.3B -0.5% YoY	$606.0M +4.8% YoY	$4.9B +7.3% YoY	Bottom 14.1% in tier
Return on Assets ?	1.58% +16.0% YoY +5.4% QoQ	+0.19%	1.39% +17.0% YoY	0.88% +34.8% YoY	1.30% +12.1% YoY	72%
Net Interest Margin ?	3.90% +11.3% YoY +4.2% QoQ	+0.03%	3.87% +6.2% YoY	3.60% +8.7% YoY	3.95% +4.9% YoY	62%
Efficiency Ratio ?	52.83% -5.2% YoY -2.1% QoQ	-6.90%	59.73% -12.6% YoY	75.18% -3.3% YoY	70.05% +2.5% YoY	69%
Delinquency Rate ?	0.87% -11.8% YoY +8.7% QoQ	+0.01%	0.87% +11.7% YoY	0.71% +15.5% YoY	0.98% +16.3% YoY	32%
Loan-to-Deposit Ratio ?	97.66% -2.2% YoY +2.2% QoQ	+12.63%	85.04% -0.1% YoY	86.19% +1.4% YoY	79.03% +2.3% YoY	20%
Non-Interest-Bearing Deposit Share ?	20.99% -3.5% YoY +6.6% QoQ	-0.28%	21.27% -1.5% YoY	20.51% +3.2% YoY	21.98% -0.6% YoY	56%
Nonperforming Asset Ratio ?	0.72% -9.6% YoY +13.0% QoQ	+0.04%	0.67% +11.7% YoY	0.60% +14.2% YoY	0.69% +15.8% YoY	32%
Tier 1 Capital Ratio ?	14.79% +8.8% YoY +3.0% QoQ	-0.05%	14.84% -0.4% YoY	14.99% +1.6% YoY	17.09% +0.8% YoY	72%
Non-Interest Income / Assets ?	0.35% +11.0% YoY +145.1% QoQ	-0.18%	0.53% +2.5% YoY	0.33% -3.2% YoY	0.66% +5.2% YoY	61%

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 (VT)	National Avg	Tier Percentile
Noninterest-Bearing	21.0% -0.8pp YoY +1.3pp QoQ	-0.4pp	21.4%	20.5%	22.2%	56%
Brokered Deposits	3.0% +0.9pp YoY +0.1pp QoQ	-6.4pp	9.5%	6.1%	8.5%	36%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (VT)	National Avg	Tier Percentile
C&I	11.8% -1.7pp YoY +0.4pp QoQ	-2.2pp	14.0%	7.7%	12.5%	54%
CRE	49.5% -0.6pp YoY 0.0pp QoQ	-0.5pp	50.0%	36.8%	41.4%	48%
1-4 Family	31.3% +2.7pp YoY +1.7pp QoQ	+4.9pp	26.4%	53.7%	31.3%	68%
Consumer	0.8% -0.3pp YoY -0.1pp QoQ	-3.9pp	4.7%	2.2%	5.0%	41%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (VT)	National Avg	Tier Percentile
CET1 Ratio	14.8% +1.2pp YoY +0.4pp QoQ	-0.8pp	15.6%	15.8%	19.7%	68%
Leverage Ratio	10.6% +0.6pp YoY +0.4pp QoQ	-0.7pp	11.3%	10.7%	12.6%	52%
Total Capital Ratio	16.0% +1.2pp YoY +0.4pp QoQ	-0.6pp	16.7%	16.8%	20.8%	69%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (VT)	National Avg	Tier Percentile
Full-Time Employees	133 +3 (+2.3%) YoY +6 (+4.7%) QoQ	-181	313	99	482	18%
Assets per Employee ($)	$8.8M -1.7% YoY -9.4% QoQ	-$1.7M	$10.5M	$7.4M	$8.8M	52%
Branch Count	12 0 YoY 0 QoQ	-8	20	8	18	39%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (VT)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.2%	0.1%	0.4%	40%
Nonaccrual	0.9% -0.1pp YoY +0.1pp QoQ	0.0pp	0.8%	0.7%	1.0%	69%
Allowance Coverage	1.42x +24.0% YoY -1.8% QoQ	-17.29x	18.71x	2.58x	20.23x	36%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.0%	0.2%	9%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (VT)	National Avg	Tier Percentile
ROE	15.1% +0.8pp YoY +0.2pp QoQ	+2.5pp	12.6%	9.1%	11.6%	74%
Cost of Funds (YTD)	1.6% -0.1pp YoY 0.0pp QoQ	-0.3pp	1.9%	1.6%	1.7%	31%
Net Income ($, YTD)	$9.7M +19.0% YoY — QoQ	-$9.5M	$19.2M	$3.5M	$40.4M	38%

Get Full Access to Community National Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

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

#108 of 361 • Bottom 29.6% 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: 97.66%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

361 of 361 Mid-Market banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank declining

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).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (3 metrics)

761

Total Deposits

size

Value: $983.38M

Peer Median: $2.32B

#761 of 885 Bottom 14.1% in $1B-$10B

755

Total Assets

size

Value: $1.17B

Peer Median: $2.79B

#755 of 885 Bottom 14.8% in $1B-$10B

707

Loan-to-Deposit Ratio

liquidity

Value: 97.66%

Peer Median: 85.04%

#707 of 885 Bottom 20.2% in $1B-$10B