Community National Bank & Trust

14 North Lincoln Avenue
Chanute, KS 66720

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 27046
Date Established 1987
Assets $1.15 billion
Loans $0.85 billion
Deposits $0.97 billion
Capital $0.11 billion

Community National Bank & Trust is an FDIC insured institution located in Chanute, KS. It was founded in 1987 and has approximately $1.15 billion in assets. Customers can open an account at one of its 29 branches.

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

Bank Loan Profile?

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

Compared to other banks in Kansas, Community National Bank & Trust has a significantly higher percent of Small Business Loans on its balance sheet, potentially indicating a specialty in that lending area.

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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 26.48
Multifamily
Mortgages
2.87
Credit Card Loans 0.23
Consumer Auto Loans 2.61
Small Business Loans 13.18
Construction and Development Loans 3.69
Commercial Real Estate 24.76
Commercial and Industrial Loans 11.98
Farm Loans 7.85

Deposit Rates - February 16, 2019

Your Current Location: Washington, WA 98109

Savings and Money Market Rates APY MIN MAX
Money Market
0.45% $900 $99,999 Learn MoreShow Less
Money Market
0.15% $900 $9,999 Learn MoreShow Less
Money Market
0.10% $900 $99,999 Learn MoreShow Less
Money Market
0.47% $900 $14,999 Learn MoreShow Less
Money Market
0.15% $900 $14,999 Learn MoreShow Less
Money Market
0.20% $10,000 $19,999 Learn MoreShow Less
Money Market
0.55% $15,000 $49,999 Learn MoreShow Less
Money Market
0.15% $15,000 $49,999 Learn MoreShow Less
Money Market
0.20% $15,000 $49,999 Learn MoreShow Less
Money Market
0.25% $20,000 - Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.65% $1,000 - Learn MoreShow Less
3 Mo CD
0.25% $1,000 - Learn MoreShow Less
3 Mo CD
0.55% $1,000 - Learn MoreShow Less
3 Mo CD
0.30% $1,000 - Learn MoreShow Less
3 Mo CD
0.15% $1,000 - Learn MoreShow Less
6 Mo CD
0.80% $1,000 - Learn MoreShow Less
6 Mo CD
0.30% $1,000 - Learn MoreShow Less
6 Mo CD
0.50% $1,000 - Learn MoreShow Less
6 Mo CD
0.75% $1,000 - Learn MoreShow Less
6 Mo CD
0.60% $1,000 - Learn MoreShow Less
6 Mo CD
0.40% $1,000 - Learn MoreShow Less
Special: 7 Mo CD
2.37% $1,000 - Learn MoreShow Less
Special: 7 Mo CD
2.35% $1,000 - Learn MoreShow Less
Special: 11 Mo CD
2.55% $1,000 - Learn MoreShow Less
Special: 11 Mo CD
2.53% $1,000 - Learn MoreShow Less
12 Mo CD
1.40% $1,000 - Learn MoreShow Less
12 Mo CD
1.00% $1,000 - Learn MoreShow Less
12 Mo CD
1.05% $1,000 - Learn MoreShow Less
12 Mo CD
0.75% $1,000 - Learn MoreShow Less
12 Mo CD
0.45% $1,000 - Learn MoreShow Less
12 Mo CD
0.50% $1,000 - Learn MoreShow Less
12 Mo CD
1.26% $1,000 - Learn MoreShow Less
12 Mo CD
0.70% $1,000 - Learn MoreShow Less
12 Mo CD
1.15% $1,000 - Learn MoreShow Less
18 Mo CD
1.05% $1,000 - Learn MoreShow Less
18 Mo CD
0.80% $1,000 - Learn MoreShow Less
Special: 20 Mo CD
2.70% $1,000 - Learn MoreShow Less
24 Mo CD
1.52% $1,000 - Learn MoreShow Less
24 Mo CD
1.50% $1,000 - Learn MoreShow Less
24 Mo CD
1.56% $1,000 - Learn MoreShow Less
24 Mo CD
0.90% $1,000 - Learn MoreShow Less
24 Mo CD
0.95% $1,000 - Learn MoreShow Less
24 Mo CD
0.65% $1,000 - Learn MoreShow Less
24 Mo CD
1.65% $1,000 - Learn MoreShow Less
24 Mo CD
1.51% $1,000 - Learn MoreShow Less
24 Mo CD
0.75% $1,000 - Learn MoreShow Less
36 Mo CD
1.66% $1,000 - Learn MoreShow Less
36 Mo CD
1.80% $1,000 - Learn MoreShow Less
36 Mo CD
1.85% $1,000 - Learn MoreShow Less
36 Mo CD
1.70% $1,000 - Learn MoreShow Less
36 Mo CD
1.05% $1,000 - Learn MoreShow Less
36 Mo CD
1.06% $1,000 - Learn MoreShow Less
36 Mo CD
1.76% $1,000 - Learn MoreShow Less
36 Mo CD
1.10% $1,000 - Learn MoreShow Less
36 Mo CD
1.23% $1,000 - Learn MoreShow Less
36 Mo CD
0.95% $1,000 - Learn MoreShow Less
48 Mo CD
1.76% $1,000 - Learn MoreShow Less
48 Mo CD
1.26% $1,000 - Learn MoreShow Less
48 Mo CD
1.21% $1,000 - Learn MoreShow Less
48 Mo CD
2.00% $1,000 - Learn MoreShow Less
48 Mo CD
2.15% $1,000 - Learn MoreShow Less
48 Mo CD
1.85% $1,000 - Learn MoreShow Less
48 Mo CD
1.25% $1,000 - Learn MoreShow Less
48 Mo CD
1.05% $1,000 - Learn MoreShow Less
60 Mo CD
2.30% $1,000 - Learn MoreShow Less
60 Mo CD
2.50% $1,000 - Learn MoreShow Less
60 Mo CD
2.22% $1,000 - Learn MoreShow Less
60 Mo CD
1.36% $1,000 - Learn MoreShow Less
60 Mo CD
2.20% $1,000 - Learn MoreShow Less
60 Mo CD
1.45% $1,000 - Learn MoreShow Less
60 Mo CD
1.40% $1,000 - Learn MoreShow Less
60 Mo CD
1.21% $1,000 - Learn MoreShow Less
60 Mo CD
2.02% $1,000 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
1.15% $1,000 - Learn MoreShow Less
Fixed IRA
1.26% $1,000 - Learn MoreShow Less
Fixed IRA
1.00% $1,000 - Learn MoreShow Less
Fixed IRA
0.35% $1,000 - Learn MoreShow Less
Fixed IRA
1.05% $1,000 - Learn MoreShow Less
Fixed IRA
0.70% $1,000 - Learn MoreShow Less
Fixed IRA
0.45% $1,000 - Learn MoreShow Less
Fixed IRA
0.50% $1,000 - Learn MoreShow Less
Fixed IRA
1.40% $1,000 - Learn MoreShow Less
Special: 20 Mo FIRA
2.70% $1,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.30% $25 $9,999,999 Learn MoreShow Less
Var IRA
1.35% $25 - Learn MoreShow Less
Var IRA
1.05% $25 - Learn MoreShow Less
Var IRA
0.90% $25 - Learn MoreShow Less
Var IRA
1.21% $25 - Learn MoreShow Less
Var IRA
1.10% $25 - Learn MoreShow Less
Var IRA
0.30% $25 - Learn MoreShow Less
Var IRA
1.00% $25 - Learn MoreShow Less
Var IRA
0.40% $25 - Learn MoreShow Less
Var IRA
0.70% $25 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
1.10% $1 - Learn MoreShow Less
0.15% $900 $9,999 Learn MoreShow Less
Int Ckg
0.15% $900 - Learn MoreShow Less
Int Ckg
0.10% $900 $14,999 Learn MoreShow Less
Int Ckg
0.47% $900 $14,999 Learn MoreShow Less
Int Ckg
0.15% $900 $99,999 Learn MoreShow Less

Loan Rates - February 16, 2019

Your Current Location: Washington, WA 98109

There are currently no loan rates available for Community National Bank & Trust

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

Featured - Washington 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
4.750% 4.750% 0.00 $0 $1,305 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.125% 5.125% 0.00 $0 $1,362 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Loan Plus
Figure Home Equity Loan Plus
8.000 %
N/A Learn More
More Info
PenFed Credit Union
PenFed Credit Union
5.500 %
$0 Learn More
More Info
Flagstar Bank
Flagstar Bank
Intro APR
3.490 %
After Intro: 6.240 %
Intro Period: 6 months
$25,000 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info

Note to Community National Bank & Trust
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Branches

Community National Bank & Trust branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Seattle,Washington


Community National Bank & Trust Locations

Map Example

Financial Details

Community National Bank & Trust Ratio Analysis

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

Texas Ratio
Community National Bank & Trust U.S. Bank Average
12.3% 7.34%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s 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 September 30, 2018, Community National Bank & Trust had $9,638,000 in non-current loans and $5,372,000 in owned real estate. To cover these potential losses it had $111,715,000 in equity and $10,350,000 in loans loss reserves. That gives it a Texas Ratio of 12.3%.

Return on Equity
Community National Bank & Trust U.S. Bank Average
7.82% 9.95%

Community National Bank & Trust has a Return on Equity of 7.82% versus the BestCashCow average of 9.95%. 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.

Capitalization
Community National Bank & Trust U.S. Bank Average
9.72% 12.19%

Community National Bank & Trust has a Capitalization of 9.72% versus the BestCashCow average of 12.19. 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 & Trust Balance Sheet Analysis

As of September 30, 2018, Community National Bank & Trust had assets of $1,149,504,000, loans of $848,711,000, and deposits of $969,010,000. 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

September 30, 2018
ASSETS
Cash & Balances due from depository institutions $0.04 billion
Interest-bearing balances $0.02 billion
Total securities $0.16 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.85 billion
Loan loss allowance $0.01 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.01 billion
Goodwill and other intangibles $0.02 billion
All other assets $0.03 billion
     Total Assets $1.04 billion
LIABILITIES
Total deposits $0.97 billion
      Interest-bearing deposits $0.80 billion
      Deposits held in domestic offices $0.97 billion
      % insured (estimated) 81.24%
Federal funds purchased and repurchase agreements $0.04 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.02 billion
Subordinated debt $0.00 billion
All other liabilities $0.01 billion
      Total Liabilities $1.04 billion
      Shareholders’ Equity $0.11 billion

Summary Income Statement

September 30, 2018
INCOME AND EXPENSES
Total Interest Income $0.03 billion
Total Interest Expense $0.00 billion
Net interest income $0.03 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.01 billion
Total non interest expense $0.03 billion
Pre-tax Net Operating Income $0.01 billion

Frequently Asked Questions About Community National Bank & Trust

Branches and Savings

Is Community National Bank & Trust FDIC insured?

Yes. It is covered under FDIC Certificate #27046.

Why does Community National Bank & Trust 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 & Trust CD rates not competitive?

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

Is Community National Bank & Trust a commercial bank?

Yes

Where are Community National Bank & Trust locations?

See branch locations nearby.

Is Community National Bank & Trust open on Saturdays?

Is Community National Bank & Trust open on Sundays?

What time does Community National Bank & Trust open?

What time does Community National Bank & Trust close?

Are Community National Bank & Trust ATMs Open 24/7?

Do Community National Bank & Trust ATMs accept cash deposits?

Can Community National Bank & Trust customers use other ATMs?

Do Community National Bank & Trust branches have notaries?

Will Community National Bank & Trust notarize my document?

What address for Community National Bank & Trust should I put for incoming ACH transfers?

Will the Community National Bank & Trust branch print checks?

Do Community National Bank & Trust checks expire?

Does Community National Bank & Trust require US citizenship to open account?

Can Community National Bank & Trust close my account?

Does Community National Bank & Trust Report to credit bureaus?

Does Community National Bank & Trust Use Equifax?

What is Community National Bank & Trust's ACH Routing Number?

What is Community National Bank & Trust's SWIFT code?

Products

Does Community National Bank & Trust offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Community National Bank & Trust offer personal loans?

Compare personal loan rates here.

Does Community National Bank & Trust offer student loans?

Will Community National Bank & Trust cash a check?

Will Community National Bank & Trust redeem a savings bond?

Does Community National Bank & Trust cash savings bonds?

Will Community National Bank & Trust cash money orders?

Can Community National Bank & Trust issue a money order?

Does Community National Bank & Trust do currency exchange?

Background on The Bank

Who owns Community National Bank & Trust?

How long has Community National Bank & Trust been around?

Can Community National Bank & Trust transfer to other banks?

Does Community National Bank & Trust have quick pay?

Does Community National Bank & Trust accept rolled coins?

Will Community National Bank & Trust accept loose change?

Where is Community National Bank & Trust headquarters?

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*All images, logos and public notes on this page appear courtesy of Community National Bank & Trust and are not subject to approval of BestCashCow. BestCashCow expressly disclaims all responsibility for this content.