Community National Bank


901 East Highway 60
Monett, MO 65708
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.20% 0.85% →
1-Year CD 0.85% 0.75% →
2-Year CD 1.00% 0.80% →
5-Year CD 1.41% 1.25% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Community National Bank is an FDIC insured institution located in Monett, MO. It was founded in 2002 and has approximately $0.14 billion in assets. Customers can open an account at one of its 3 branches.

FDIC Insured Yes
FDIC Certificate # 57395
Date Established 2002
Assets $ 154.78 million
Loans $ 81.63 million
Deposits $ 128.78 million
Capital $ 13.03 million

For a more detailed analysis of Community National Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - October 27, 2021

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
0.20% $2,500 $4,999 Learn More
Money Market
0.25% $2,500 $2,999 Learn More
Money Market
0.35% $10,000 $14,999 Learn More
Money Market
0.45% $25,000 $29,999 Learn More
6 Mo CD
0.50% $10,000 $14,999 Learn More
6 Mo CD
0.50% $100,000 $199,999 Learn More
12 Mo CD
0.85% $10,000 $14,999 Learn More
12 Mo CD
0.85% $100,000 $199,999 Learn More
18 Mo CD
0.85% $10,000 $14,999 Learn More
18 Mo CD
0.85% $100,000 $199,999 Learn More
24 Mo CD
1.00% $10,000 $14,999 Learn More
24 Mo CD
1.00% $100,000 $199,999 Learn More
30 Mo CD
1.00% $10,000 $14,999 Learn More
30 Mo CD
1.00% $100,000 $199,999 Learn More
60 Mo CD
1.41% $10,000 $14,999 Learn More
60 Mo CD
1.41% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.20% $2,500 $3,499 Learn MoreShow Less

Loan Rates - October 27, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Community National Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
CIT Bank
NMLS ID: 541760
3.092% 3.025%
0.88 points
$2,152 fees
$1,058 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to Community National Bank
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Climate Initiatives

Community National Bank is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.

Financial Details

Community National Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Community National Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Community National Bank U.S. Bank Average
1.53% 4.78%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2021, Community National Bank had $213,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $13,025,000 in equity and $926,000 in loans loss reserves. That gives it a Texas Ratio of 1.53%.

Return on Equity
Community National Bank U.S. Bank Average
13.69% 11.29%

Community National Bank has a Return on Equity of 13.69% versus the BestCashCow average of 11.29%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Community National Bank U.S. Bank Average
8.42% 11.72%

Community National Bank has a Capitalization of 8.42% versus the BestCashCow average of 11.72. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Community National Bank Balance Sheet Analysis

As of March 31, 2020, Community National Bank had assets of $141,993,000, loans of $81,627,000, and deposits of $128,777,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2021
Cash & Balances due from depository institutions $ 41.12 million
Interest-bearing balances $ 37.92 million
Total securities $ 11.03 million
Federal funds sold and reverse repurchase $ 1.52 million
Net loans and leases $ 81.63 million
Loan loss allowance $ 0.93 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 0.54 million
All other assets $ 3.95 million
     Total Assets $ 128.97 million
Total deposits $ 128.78 million
      Interest-bearing deposits $ 93.20 million
      Deposits held in domestic offices $ 128.78 million
      % insured (estimated) 82.35%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.19 million
      Total Liabilities $ 128.97 million
      Shareholders’ Equity $ 25.81 million

Summary Income Statement

June 30, 2021
Total Interest Income $ 1.29 million
Total Interest Expense $ 0.19 million
Net interest income $ 1.10 million
Provision for loan and lease losses $ 0.03 million
Total non interest income $ 0.28 million
Total non interest expense $ 0.81 million
Pre-tax Net Operating Income $ 0.54 million

Bank Loan Profile?

The top three loan types in Community National Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks, Community National Bank’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 33.92
Credit Card Loans 0.00
Consumer Auto Loans 2.38
Small Business Loans 0.00
Construction and Development Loans 6.02
Commercial Real Estate 34.81
Commercial and Industrial Loans 8.10
Farm Loans 3.61

Frequently Asked Questions About Community National Bank

Branches and Savings

Is Community National Bank FDIC insured?

Yes. It is covered under FDIC Certificate #57395.

Why does Community National Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Community National Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Community National Bank a commercial bank?


Where are Community National Bank locations?

See branch locations nearby.

Is Community National Bank open on Saturdays?

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Are Community National Bank ATMs Open 24/7?

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Do Community National Bank branches have notaries?

Will Community National Bank notarize my document?

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Will the Community National Bank branch print checks?

Do Community National Bank checks expire?

Does Community National Bank require US citizenship to open account?

Can Community National Bank close my account?

Does Community National Bank Report to credit bureaus?

Does Community National Bank Use Equifax?

What is Community National Bank's ACH Routing Number?

What is Community National Bank's SWIFT code?


Does Community National Bank offer mortgages?

Compare mortgage rates here.

Does Community National Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Community National Bank offer personal loans?

Compare personal loan rates here.

Does Community National Bank offer student loans?

Will Community National Bank cash a check?

Will Community National Bank redeem a savings bond?

Does Community National Bank cash savings bonds?

Will Community National Bank cash money orders?

Can Community National Bank issue a money order?

Does Community National Bank do currency exchange?

Background on The Bank

Who owns Community National Bank?

How long has Community National Bank been around?

Can Community National Bank transfer to other banks?

Does Community National Bank have quick pay?

Does Community National Bank accept rolled coins?

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