# COMMUNITY NATIONAL BANK
SENECA, KS · FDIC certificate 25665 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 2 (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 | $853.1M | |
| Deposits | $772.6M | |
| Loans and leases | $384.0M | |
| Total equity | $58.6M | |
| Loans / deposits | 49.07% (p6 of band) | 82.04% |
| Liquid assets / assets | 49.83% (p92 of band) | |
| Uninsured deposits / deposits | 17.25% (p20 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.92% (p40 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.66% (p26 of band) | 10.81% |
| Unrealized securities loss / equity | -65.01% (p2 of band) | -8.10% |
| AOCI / equity | -1.37% (p15 of band) | |
| ROA (annualized) | 1.65% (p72 of band) | 1.28% |
| Net interest margin | 3.16% (p14 of band) | 3.91% |
| Efficiency ratio | 59.76% (p45 of band) | |
| Noncurrent loans | 1.47% (p83 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p47 of band) | |
| Reserve coverage of noncurrent | 86.77% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 40.55% (p48 of band) | |
| Auto loans | $1.4M (0.36% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -1.1% | |
| Employees | 129 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 1 |  | capital falling |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 2 | capital falling |  |
| 2013-09 | 1 |  | capital falling |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | uninsured deposits leaving |  |
| 2014-06 | 0 |  | reserve under noncurrent, uninsured deposits leaving |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | capital falling |  |
| 2018-09 | 2 | deposits shrinking |  |
| 2018-12 | 0 |  | capital falling, deposits shrinking |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | capital falling |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 | uninsured deposits leaving | capital falling |
| 2020-03 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2020-06 | 2 |  | uninsured deposits leaving |
| 2020-09 | 2 |  |  |
| 2020-12 | 3 | capital falling |  |
| 2021-03 | 2 |  | capital falling |
| 2021-06 | 2 |  |  |
| 2021-09 | 3 | capital falling |  |
| 2021-12 | 4 | charge-offs p90 |  |
| 2022-03 | 6 | AOCI drag >20% of equity, securities losses >30% of equity, NIM <2.5% | charge-offs p90 |
| 2022-06 | 3 |  | noncurrent p90, capital falling, NIM <2.5% |
| 2022-09 | 4 | construction >100% equity |  |
| 2022-12 | 4 | noncurrent p90 | construction >100% equity |
| 2023-03 | 3 |  | AOCI drag >20% of equity |
| 2023-06 | 6 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-09 | 8 | AOCI drag >20% of equity, construction >100% equity |  |
| 2023-12 | 4 |  | deposits shrinking, assets shrinking, AOCI drag >20% of equity, construction >100% equity |
| 2024-03 | 5 | capital falling, construction >100% equity | uninsured deposits leaving |
| 2024-06 | 5 |  |  |
| 2024-09 | 3 |  | capital falling, construction >100% equity |
| 2024-12 | 2 |  | noncurrent p90 |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 1 |  | reserve under noncurrent |
| 2026-03 | 2 | capital falling |  |
| 2026-06 | 2 | reserve under noncurrent | capital falling |

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

- 2026-06-12 [Community National Bank & Trust celebrates 25 years - The Iola Register](https://news.google.com/rss/articles/CBMimgFBVV95cUxPUjNwUDdFbC1melF2UU1QeUxPT18yaXdRYzhlQ3VTYUNTUjF4aTFKV3pydm9qSWlBTWJjUzd2eU1sY0llbEpMMGl3V29sSTgtRnpsN2o1WTNVbnk2bXI2WGNLTUpGUVRXZGFsRHVhVjNiM2JNaDZrR012bUxHY251bm05SzJLSVg1dERMaDlBSkRGOVl3akEwN05B?oc=5) · The Iola Register
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2025-12-08 [Jeff Meyer, Community National Bank & Trust - The Business Journals](https://news.google.com/rss/articles/CBMivwFBVV95cUxOUUdpSC14cTR4dWIySEJIQ3V5MzZ4OXd1N1VnRnV1MHVLdkNQRDZiSHFCRzFvNkwwRHZUcnpham5WUE14QUY0Y3BYSVhqZExRem9ORGZuV2JiYVBhTUhUbVR4NEVfWUY1bkotM2lFV1B4eWRqTFktSUNpOFc5TnR3NWpfbmNqNzdKSzdMX0szVTlKVzZYVDdhUjduakhxQXctWU1LYTZSNjlMTzVYeFdDQjFmVWRSUjFLb0U4ck9IRQ?oc=5) · The Business Journals
- 2025-03-26 [Community National Bank and Trust to Acquire Prairie Bank of Kansas - Ad Astra Radio](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOZUQzYWcxOGRtbDl0TEt4RGVEaEVGNm00U1UxZ1VZQ2RROVQ2Uk53VDRJYVJrdVJaV21MQVlXOGJzcTNQRmppWm5zTnE4SE41UmFWUjU1Ukl2WUVMcVFTWTBhdS1PNlJHUm56Tk5nOTRtMnhubVlaOW5PbW5hU2g5Y1gtdTVINEoxb0tVRl9ScG9tcHVqZXFnU0hwQ1REVnNIWUtCY05GbkdKcVU?oc=5) · Ad Astra Radio
- 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
- 2022-06-10 [Community National Bank, VisionBank finalize merger - MSC News](https://news.google.com/rss/articles/CBMikgFBVV95cUxNcW5qbGRPRHozQzlHRVBoQVNGS0c5OXpfeGxfWTN1YkJTSTJLZkI4aWNQZ3kyTzRBTXJGdC1wVzNycW9leU1DTlNlOHhseGlmOGdCTURDVmhOLWhtVlVQT0tGeXZyN1pGRm1ITllEeHlDRTkwbEpOcHphRVZPRGd2aHREQWFLZmNyaVBlRkVkaXV4Zw?oc=5) · MSC News
- 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
- 2025-04-16 [Community National Bank & Trust BizSpotlight - The Business Journals](https://news.google.com/rss/articles/CBMimAFBVV95cUxOUUdqZkROc202dGlubXBrREhwZzF0YWs4M1hTYl9OOGoyLThrV1NrNFdyTUlwS3E0RFQ2STdQaUZHaW8xM25Cdy1rY3dsWF95bmpiN3lLWDZWS2w4VUsxX3RoVWEzYXQ2TjRUY0Vvc3NFdzZITHJYZFpqRUtmaGdsc3JLUWlSYU1pbWctUEFYNmdVekNnMWM5Uw?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=25665 (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 "25665", 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.

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