# COMMUNITY NATIONAL BANK
BELLAIRE, TX · FDIC certificate 57345 · asset band <$300M · latest filing 2012-09 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $183.0M | |
| Deposits | $164.6M | |
| Loans and leases | $68.0M | |
| Total equity | $17.6M | |
| Loans / deposits | 40.66% (p10 of band) | 69.20% |
| Liquid assets / assets | 60.26% (p89 of band) | |
| Uninsured deposits / deposits | 8.48% (p50 of band) | 8.50% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.75% (p24 of band) | 10.13% |
| Unrealized securities loss / equity | 12.74% (p89 of band) | 3.81% |
| AOCI / equity | 3.19% (p92 of band) | |
| ROA (annualized) | -0.73% (p6 of band) | 0.80% |
| Net interest margin | 3.13% (p19 of band) | 3.77% |
| Efficiency ratio | 115.97% (p96 of band) | |
| Noncurrent loans | 1.46% (p54 of band) | 1.27% |
| Net charge-offs (annualized) | 0.81% (p92 of band) | |
| Reserve coverage of noncurrent | 107.23% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 35.66% (p72 of band) | |
| Auto loans | $1.2M (1.79% of loans; DQ 0.98%, NCO 0.00%) | |
| Loans to nondepository financials | $35,000 (0% of equity) (p97 of band) | |
| Deposits YoY | 3.9% | |
| Employees | 29 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **charge-offs p90** (`aq_nco`)

## 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 | deposits shrinking |  |
| 2012-06 | 5 | losing money, charge-offs p90, assets shrinking |  |
| 2012-09 | 4 | capital falling, expense ratio p90 | reserve under noncurrent, deposits shrinking, assets shrinking |

## 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 - kansas.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxOQWZWdWxPeENpX1A5NmdCb20wV2hac3ZQSEhlUTd3cU0wOVhHMHNPWWN3eE9GVkMydzlDMXVxUzU2UWFrNHVSMkFLa1U1VlRFbkw1UXVCMHFEX09NcTlmS1QwMjljNEVqbzY5My1mQ1dvY0pBeHoxYkktRlUtaEpGSFc2MmFwTVB4OFdteXg1QlBjOXZVX2fSAZYBQVVfeXFMTlF3a29tdVAyM0pqcVdtdjNOTXgwUUhCTWNFXzlCT1BpUGpQS3lRWnZ1b01JbGFHVHVhY3Q4SnFhQ3JGMExrc0tpZW9WMDNwZmp6RTZzMUFBR2RFUTNXOXJURHVaa0MxOE9oNldQRjljZHpTcURLWkJndEt0UGdpQmRQS2E3Tm9FblVlT1RDeHZ1NWpnRS1n?oc=5) · kansas.com
- 2023-11-03 [Community National Bank traveled bumpy road to 40th anniversary - mrt.com](https://news.google.com/rss/articles/CBMinwFBVV95cUxOaDR0Z3RKcEY2bC01bTJuOVRUR3RnbUhrVUpDNkk1cnlKWmQ2NjBHMFl5a1BZNGZzellnWVFvNGNuTnZNWmdSSlB6ei15dUJjTmRFamE3TDl4d29kM1BURXpkcE1pVVNwbi1vRFFSZ1MwREJXRHpUYU53VmQzYkk5OEV2Rk10VmNjaktKajIyRC1QNUxxNzNxc2pFWkpqTGM?oc=5) · mrt.com
- 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=57345 (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 "57345", 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