# COMMUNITY NATIONAL BANK
MIDLAND, TX · FDIC certificate 24897 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $2.54B | |
| Deposits | $2.18B | |
| Loans and leases | $1.59B | |
| Total equity | $328.3M | |
| Loans / deposits | 71.53% (p18 of band) | 87.10% |
| Liquid assets / assets | 33.87% (p82 of band) | |
| Uninsured deposits / deposits | 48.60% (p89 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p6 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.68% (p82 of band) | 10.50% |
| Unrealized securities loss / equity | -2.85% (p75 of band) | -7.75% |
| AOCI / equity | -0.31% (p50 of band) | |
| ROA (annualized) | 2.10% (p91 of band) | 1.26% |
| Net interest margin | 5.06% (p96 of band) | 3.70% |
| Efficiency ratio | 47.63% (p18 of band) | |
| Noncurrent loans | 1.66% (p87 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p30 of band) | |
| Reserve coverage of noncurrent | 99.77% | |
| Real estate % of loans | 65% | |
| Construction % of loans | 73.18% (p74 of band) | |
| Auto loans | $1.2M (0.07% of loans; DQ 0.42%, NCO 0.00%) | |
| Loans to nondepository financials | $26.0M (8% of equity) (p86 of band) | |
| Deposits YoY | 4.9% | |
| Employees | 275 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | capital falling |  |
| 2013-09 | 1 | uninsured deposits >50% | capital falling |
| 2013-12 | 3 | deposits shrinking, assets shrinking |  |
| 2014-03 | 1 |  | deposits shrinking, assets shrinking |
| 2014-06 | 0 |  | uninsured deposits >50% |
| 2014-09 | 1 | uninsured deposits >50% |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | charge-offs p90 |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 4 | deposits shrinking, assets shrinking |  |
| 2015-12 | 4 | reserve under noncurrent | charge-offs p90 |
| 2016-03 | 6 | noncurrent p90, charge-offs p90 |  |
| 2016-06 | 8 | capital falling, losing money |  |
| 2016-09 | 6 |  | noncurrent p90, capital falling |
| 2016-12 | 7 | noncurrent p90 |  |
| 2017-03 | 3 |  | deposits shrinking, assets shrinking, charge-offs p90, losing money |
| 2017-06 | 3 |  |  |
| 2017-09 | 4 | capital falling |  |
| 2017-12 | 3 |  | reserve under noncurrent |
| 2018-03 | 3 |  |  |
| 2018-06 | 4 | charge-offs p90, reserve under noncurrent | capital falling |
| 2018-09 | 2 |  | noncurrent p90, reserve under noncurrent |
| 2018-12 | 3 | capital falling |  |
| 2019-03 | 1 |  | charge-offs p90, capital falling |
| 2019-06 | 2 | charge-offs p90 |  |
| 2019-09 | 1 |  | charge-offs p90 |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | capital falling |  |
| 2020-09 | 1 |  | capital falling |
| 2020-12 | 2 | loans-to-lenders >50% equity |  |
| 2021-03 | 1 |  | loans-to-lenders >50% equity |
| 2021-06 | 2 | capital falling |  |
| 2021-09 | 2 | charge-offs p90 | capital falling |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 | capital falling | charge-offs p90 |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 | construction >100% equity | capital falling |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 | uninsured deposits leaving | construction >100% equity |
| 2023-09 | 3 | deposits shrinking |  |
| 2023-12 | 2 |  | deposits shrinking |
| 2024-03 | 1 |  | uninsured deposits >50% |
| 2024-06 | 0 |  | uninsured deposits leaving |
| 2024-09 | 1 | uninsured deposits >50% |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 0 |  | uninsured deposits >50% |
| 2026-03 | 0 |  |  |
| 2026-06 | 1 | reserve under noncurrent |  |

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

- 2026-03-19 [Community National Bank hosts ribbon cutting for new Lubbock branch - KCBD](https://news.google.com/rss/articles/CBMinAFBVV95cUxObnZ1alpMRVNyblZjRjlIVUp6bGxCeWFVaU9ITFJUand5MDNlRG5hUEg5R1lSNU51d0tXUmlaTF9abWFYa0c0UlRkckhIRDJMR3gxNEZKZk5LNjV6aVQtY2lGUl9nMnlCWU1ZNXlDN29FOEZwT0Ztakc4MklPYkgwZ1FzU1BfT2p0ejFFdHo1dDNoZzdwc3Y2clI0YXnSAbABQVVfeXFMTWU0d1BoWTJtdjZPQVRVREV1QTlwcU9icmwybllGb043Tk9LbXdJdF9fU3VFbnNBSzZWdF9wTExzNWxJZHBZSmJWVGVBWE1Ud256c3FlaElHd2F0RnlMY0ppcXMxejJvd2dEbm5jd2tuMUNsZGZFY1NBbWd2NmpFUVNKdU1mcXFjMERZYVM5M2JRaDVhZVNwVWE4bXhCVk9oWTZreHB6cGNJYl9DQWQ0Sng?oc=5) · KCBD
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-07-29 [The top-performing banks with $2B to $10B of assets in 2025 - American Banker](https://news.google.com/rss/articles/CBMimAFBVV95cUxNbUdCdEJoY0xJakRNTGdUTEJhSEV5OHZDal9VSUVDZWM1eEZnV1BIUTdTR1ZOaWJBRjVQWTdPYXh4UlJ5Z2x0OWhCWmc3Y0hDbE8tV1pOUnhHME4tWnpob2luQVMwcXVaNmFXbzZGVG1zSU1OdzJWNmJQTVVYSzA4X0ZYMnQ4dzBxMzEyRC1YeWJZWmRzeFFsWg?oc=5) · American Banker
- 2026-07-08 [Community National Bank & Trust of Texas announces retirement of President Tim Stites, appointment of Rusty Hitt as CEO & President - Corsicana Daily Sun](https://news.google.com/rss/articles/CBMingJBVV95cUxNeUVzWElmbW50MmNkd2ltcHNpUWF0b3FrS2M3eEZId2R1UkVmS296S25MVVRFYlFqaW9Ka1FwUVFFNE9jQ2NrR094MDdQSGxtZHFmd2xzN2lGc1RCaUxsbkpMQVpUR2oyVnJBdGY5YjFMOUVDX0JpbFBJc3A0QTNOSENwaEJHZU9RTXhLN0g4V2N2c2ZZWVp1bVRlN0dock45cE5mdkp1M3RxbVVKQVRPT0gxN2cwajB3RVREVjFjaDd6YXpSN1paRDA4MWNCeGc3aWZUaXhLTnR4VzhHOUNiRy1BUE5xSG0zTHNXNmp2cmI5R0tsLVdNeFpPOEpUR1M0RUJPSUdxN3ZLeVhQNlBjVHhKSHpmVFczOFBmQW53?oc=5) · Corsicana Daily Sun
- 2025-03-11 [Another couple of businesses are opening near 29th North and Greenwich; here’s the first - Wichita Eagle](https://news.google.com/rss/articles/CBMilgFBVV95cUxOQWZWdWxPeENpX1A5NmdCb20wV2hac3ZQSEhlUTd3cU0wOVhHMHNPWWN3eE9GVkMydzlDMXVxUzU2UWFrNHVSMkFLa1U1VlRFbkw1UXVCMHFEX09NcTlmS1QwMjljNEVqbzY5My1mQ1dvY0pBeHoxYkktRlUtaEpGSFc2MmFwTVB4OFdteXg1QlBjOXZVX2fSAZYBQVVfeXFMTlF3a29tdVAyM0pqcVdtdjNOTXgwUUhCTWNFXzlCT1BpUGpQS3lRWnZ1b01JbGFHVHVhY3Q4SnFhQ3JGMExrc0tpZW9WMDNwZmp6RTZzMUFBR2RFUTNXOXJURHVaa0MxOE9oNldQRjljZHpTcURLWkJndEt0UGdpQmRQS2E3Tm9FblVlT1RDeHZ1NWpnRS1n?oc=5) · Wichita Eagle
- 2023-11-03 [Community National Bank traveled bumpy road to 40th anniversary - Midland Reporter-Telegram](https://news.google.com/rss/articles/CBMinwFBVV95cUxOaDR0Z3RKcEY2bC01bTJuOVRUR3RnbUhrVUpDNkk1cnlKWmQ2NjBHMFl5a1BZNGZzellnWVFvNGNuTnZNWmdSSlB6ei15dUJjTmRFamE3TDl4d29kM1BURXpkcE1pVVNwbi1vRFFSZ1MwREJXRHpUYU53VmQzYkk5OEV2Rk10VmNjaktKajIyRC1QNUxxNzNxc2pFWkpqTGM?oc=5) · Midland Reporter-Telegram
- 2023-08-29 [Community National Bank hosts ribbon cutting for its Lubbock Headquarters - KLBK | KAMC | EverythingLubbock.com](https://news.google.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?oc=5) · KLBK | KAMC | EverythingLubbock.com
- 2023-01-13 [Building bigger, better: Community National Bank plans new Lubbock location - Lubbock Avalanche-Journal](https://news.google.com/rss/articles/CBMi0gFBVV95cUxOYnNFY1ZJSFlsVnRmc2hrZE5sQ2hUMDdWVGF1dmFsdjBFVVhFX0pCVWtZRjYycnozSEFUVURxbkxER2pHdnhBV0F5aHRxUzl6SHU0bE1YWEt3QWVnME5nZ1I2bVdqdGpDUDBKR29saFFoWm5RVHpLTTg4SkNFdm1HX1VZRVVyN1VmejBZczE0V2ZkamFRUTNCLVAxWURscHZfQlVwdzZMSFpPRjl3TVp5QkxTX3N4RnpNLWlIeFktd0FjVldqc2MzenJqd0lxaE1GVFE?oc=5) · Lubbock Avalanche-Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=24897 (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/1.json (key "24897", 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