# COMMUNITY NATIONAL BANK
MONETT, MO · FDIC certificate 57395 · asset band <$300M · latest filing 2020-03 · stopped filing (departed)

**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 | $142.0M | |
| Deposits | $128.8M | |
| Loans and leases | $82.6M | |
| Total equity | $13.0M | |
| Loans / deposits | 63.39% (p30 of band) | 75.62% |
| Liquid assets / assets | 37.80% (p64 of band) | |
| Uninsured deposits / deposits | 17.67% (p56 of band) | 16.17% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p21 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.79% (p8 of band) | 11.43% |
| Unrealized securities loss / equity | 0.08% (p37 of band) | 0.53% |
| AOCI / equity | 0.10% (p55 of band) | |
| ROA (annualized) | 1.46% (p80 of band) | 0.92% |
| Net interest margin | 3.39% (p34 of band) | 3.67% |
| Efficiency ratio | 58.58% (p19 of band) | |
| Noncurrent loans | 0.26% (p35 of band) | 0.57% |
| Net charge-offs (annualized) | 0.16% (p90 of band) | |
| Reserve coverage of noncurrent | 434.74% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 37.72% (p73 of band) | |
| Auto loans | $1.9M (2.35% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 14.5% | |
| Employees | 27 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 1 | uninsured deposits leaving | capital falling |
| 2012-09 | 0 |  | uninsured deposits leaving |
| 2012-12 | 1 | uninsured deposits leaving |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 0 |  | uninsured deposits leaving, capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | uninsured deposits leaving |  |
| 2015-06 | 0 |  | uninsured deposits leaving |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | capital falling |
| 2016-12 | 0 |  |  |
| 2017-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2017-06 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2017-09 | 1 | uninsured deposits leaving |  |
| 2017-12 | 0 |  | uninsured deposits leaving |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 1 | charge-offs p90 | capital falling |

## 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
- 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
- 2026-07-08 [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
- 2025-04-16 [Community National Bank & Trust BizSpotlight - The Business Journals](https://news.google.com/rss/articles/CBMimAFBVV95cUxOUUdqZkROc202dGlubXBrREhwZzF0YWs4M1hTYl9OOGoyLThrV1NrNFdyTUlwS3E0RFQ2STdQaUZHaW8xM25Cdy1rY3dsWF95bmpiN3lLWDZWS2w4VUsxX3RoVWEzYXQ2TjRUY0Vvc3NFdzZITHJYZFpqRUtmaGdsc3JLUWlSYU1pbWctUEFYNmdVekNnMWM5Uw?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
- 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

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57395 (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/51.json (key "57395", 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