# COMMUNITY NATIONAL BANK
DAYTON, TN · FDIC certificate 19272 · asset band <$300M · latest filing 2020-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 7 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $268.5M | |
| Deposits | $238.4M | |
| Loans and leases | $160.0M | |
| Total equity | $28.8M | |
| Loans / deposits | 66.24% (p46 of band) | 68.14% |
| Liquid assets / assets | 36.56% (p48 of band) | |
| Uninsured deposits / deposits | 13.31% (p32 of band) | 17.85% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p22 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.82% (p37 of band) | 10.68% |
| Unrealized securities loss / equity | 8.69% (p88 of band) | 2.41% |
| AOCI / equity | 7.31% (p94 of band) | |
| ROA (annualized) | -0.14% (p5 of band) | 0.92% |
| Net interest margin | 3.81% (p67 of band) | 3.52% |
| Efficiency ratio | 101.54% (p95 of band) | |
| Noncurrent loans | 6.18% (p99 of band) | 0.43% |
| Net charge-offs (annualized) | 0.32% (p94 of band) | |
| Reserve coverage of noncurrent | 20.79% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 55.84% (p85 of band) | |
| Auto loans | $1.1M (0.70% of loans; DQ 7.45%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -1.8% | |
| Employees | 71 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, reserve under noncurrent |  |
| 2011-06 | 1 |  | losing money |
| 2011-09 | 2 | noncurrent p90 |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 5 | losing money, expense ratio p90, charge-offs p90 |  |
| 2012-06 | 3 |  | noncurrent p90, expense ratio p90 |
| 2012-09 | 3 |  |  |
| 2012-12 | 4 | noncurrent p90 |  |
| 2013-03 | 1 |  | losing money, charge-offs p90, noncurrent p90 |
| 2013-06 | 3 | deposits shrinking, assets shrinking |  |
| 2013-09 | 3 |  |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 2 |  | assets shrinking |
| 2014-06 | 1 |  | deposits shrinking |
| 2014-09 | 2 | capital falling |  |
| 2014-12 | 1 |  | capital falling |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 2 | noncurrent p90 |  |
| 2016-03 | 3 | capital falling |  |
| 2016-06 | 2 |  | capital falling |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 | charge-offs p90 | noncurrent p90 |
| 2017-12 | 1 |  | charge-offs p90 |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 3 | capital falling, construction >100% equity |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 3 | noncurrent p90 | capital falling |
| 2020-03 | 3 | expense ratio p90 | construction >100% equity |
| 2020-06 | 5 | capital falling, charge-offs p90 |  |
| 2020-09 | 6 | losing money |  |
| 2020-12 | 7 | uninsured deposits leaving |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2021-03-20 [Simply Bank growing in East Tennessee as Rhea County banks combine - Chattanooga Times Free Press](https://news.google.com/rss/articles/CBMimAFBVV95cUxQMk1OQmFXd054S2FzM2t1WEZYcm1mVXNmUlpYTWM4SUhLNUxycVJZb2h6SzNCRUlXNkI1S3ZWd0ZQU3MtUDNRZUJmSlR4UkxSLWpNYjNscWMzeHlLUHlseFpXTlppUHBfc3dSSUNMdTdCb1o1aDJSZEdiczVXQzA5bkhyenFoWVJDcllOUVAtenAzSG9QZnk2bA?oc=5) · Chattanooga Times Free Press
- 2026-03-16 [Vermont Banking: A sector under pressure, a sector in motion - Vermont Business Magazine](https://news.google.com/rss/articles/CBMimAFBVV95cUxNa0xyYXBsaTAyaF9vYjBEVTF4cmVONUNXTHVSa1VZZXdDRGZLUnl4czRHMW9qQUg5Nm1PRFJYQV91SFEyejBLeUNSeGNwUVB6bU5seXlQOW1GTXpyNjZTS29QOXZRX1VNOU4tcC1hOFZLU1UwMW1RVkE5MXNCTUp1UlFGU1JOQkw4cWZjRTM3dDZtaVBPd3NZdg?oc=5) · Vermont Business Magazine
- 2025-07-11 [The 20 top-performing banks with $2B to $10B of assets - American Banker](https://news.google.com/rss/articles/CBMilwFBVV95cUxPS0NEYTZFeXRleUhoXzViMmtzQVBWX2xhVVI3aXQwT2N4c056SGF0dzBKbG9uWjlPTXRBcEFNT19XN1JDQmZFZ2ZZLWd1cjVqNEJYOXhuQkJJVzBuY1RubG9HRy10M1o1N0M5THY4REtaaW40WVBQWHJfS2dfNHJFdFVwajVROVVKSEtWQ0YxS0Rjd2tZU2JF?oc=5) · American Banker
- 2010-07-08 [Community National Bank to get new president - rheaheraldnews.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxNVkdna0RYck4yUlQ2R1Fjb3dmXzhJZ3NfVHAyRUhmZXNYNHZid3I5U1dlOTViMUFTNURxUzRBV3ZxVGhRWDVyTFp0OXRuVV9qY1RKczhRQWdoQUQyQ3dXbmhCM1dVYmFIYUhMMGNsdGI5dEllTGxtM2g3LS1fUjgxZ2M5RXo3d1hlRXRZNU94aHN2ay1WQkE?oc=5) · rheaheraldnews.com
- 2023-06-20 [Forbes 2026 America's Best Banks In Each State List - Forbes](https://news.google.com/rss/articles/CBMiXkFVX3lxTE4xcm9keG1VQVdlREh4RG0tMFA2NktMQ1M4SjBicWxRTkJ3a0lOQTVqSXA0d1FkZ0RPOXQxWjFXYzg5SWhNNTBTU0Rqa0Vuekp2TzR5WnhXLTBwel9MdWc?oc=5) · Forbes
- 2025-08-26 [Banking Industry Outlook: U.S. Banking M&A Activity Mid-Year Review | Ankura - JD Supra](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPSGwzQkdxQ1VaeEtXeDhxNVlJOEFYR1JGaDRrWkdScFAtdWtrWW5iSlNyLWxhd1pacEJLWUdtVGF6Zl83aGZOS1RYWmU5UVJRa3JHUFhRWWs2MDNwY0lQYzAwYlktb3FjeUtvT05JNFlzeHFfd2tTSjRBV3c3QmZweHZZdG5MMjZ0?oc=5) · JD Supra
- 2016-07-21 [Kelly Paul Named VP At Derby's Community national Bank - Caledonian Record](https://news.google.com/rss/articles/CBMi6gFBVV95cUxOUmxyWlMzdkNCS0FRT3pnTHM2bXV5djlmeG1zaDVaY3hjczA5dDV4MUpmQ2o1OGM1V3NZVFZtMjZWQUk3b1F5a2tmY2pKRXdRRkRiZ3VxRUlEMEdTWU43SkpmTzRmdmNHQ0c0SFE2Mk5UeEhHRmFKck9kOHNOUnZ1UnVGTVREcWtVNlhaRHFVWXphdWJVb1JsZW5VTFpJRzdCUFZGQ0N6LWt2RXR3dXBXNGwtaTNpb2ZPVHlKQ2VXNUdKQzF4Y2NlRDFVMzFuVUFLa1p2X1BFZHdISTFodzhsMFFBVUd4Wm42elE?oc=5) · Caledonian Record

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19272 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/8.json (key "19272", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide