# COMMUNITY NATIONAL BANK
GREAT NECK, NY · FDIC certificate 57828 · asset band $300M-1B · latest filing 2015-03 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. 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 | $950.5M | |
| Deposits | $825.4M | |
| Loans and leases | $780.8M | |
| Total equity | $82.1M | |
| Loans / deposits | 93.21% (p78 of band) | 79.82% |
| Liquid assets / assets | 13.95% (p13 of band) | |
| Uninsured deposits / deposits | 29.21% (p78 of band) | 19.17% |
| Brokered deposits | 20.41% | |
| Wholesale funding | 24.16% (p95 of band) | |
| FHLB advances / assets | 3.75% | |
| Tier 1 leverage | 8.74% (p17 of band) | 10.09% |
| Unrealized securities loss / equity | 0.01% (p13 of band) | 1.83% |
| AOCI / equity | 0.57% (p59 of band) | |
| ROA (annualized) | 0.60% (p26 of band) | 0.88% |
| Net interest margin | 3.50% (p47 of band) | 3.54% |
| Efficiency ratio | 71.64% (p56 of band) | |
| Noncurrent loans | 0.88% (p51 of band) | 0.85% |
| Net charge-offs (annualized) | -0.09% (p6 of band) | |
| Reserve coverage of noncurrent | 166.65% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 10.04% (p18 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 16.5% | |
| Employees | 110 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 | capital falling | reserve under noncurrent |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | capital falling |
| 2013-06 | 0 |  |  |
| 2013-09 | 3 | brokered >10%, wholesale funding >15%, capital falling |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 2 |  | capital falling |
| 2014-06 | 2 |  |  |
| 2014-09 | 3 | capital falling |  |
| 2014-12 | 2 |  | capital falling |
| 2015-03 | 2 |  |  |

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

- 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
- 2026-03-03 [Vermont bank rings Nasdaq closing bell, celebrates 175 years in business - WCAX](https://news.google.com/rss/articles/CBMiowFBVV95cUxPZGsyYktvYUxBWGVlT0xTMS02UHJGMmRfaE1tQzJCX2FYZG1nV1EyUk1wS3RCTWEwblk4ek9BLXVxZ085UkdCMERJYjJIWEx4T3hISk8zRGlRZzNGUFpHLXZMTUhJc0VxRmlnRDc3cmtmNUZnNkV6bC1hbnkyY09rZEVfTkNQTUJQeV9qbk9DUlRINWxIWE5QLWM3WElJczRFeGNN0gG3AUFVX3lxTE10U1hJaFU3NFlXOTl3dWFZNnNIVmd5cHJjVG5JZnNhUEpMV2doQmQ4SWFxdjlUY1NKZGVRekRxX3NtNko1ekpPUUo2cW5WeC1NbndSbFF0UkU0UlFsai1qZVRhSHZlaHIta0tDbG5FQ2RPU2dmRUIxbHU4SjNiZFZJSlVxZS1wX2dLOUZJRnpFa0tZbHNjc3MwR1Q0TTJDWWdyZFJZMm1YakVkWTVJQUJ2N2UxdHJ0cw?oc=5) · WCAX
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-03-03 [Community Bancorp. Rings the Nasdaq Stock Market Closing Bell - Nasdaq](https://news.google.com/rss/articles/CBMijwFBVV95cUxNUDc0NmJjUDFZYnV2S3p2ZlFEZUFVT0dySUZzSzRVUE5RUzd1NEZwbTk4RUdueVd5NHNUY293N2V6eUJIRHg0VzZZMUQtRUtjd3VCZDZQVzhtN0pxTG0zZExDd0ZGYWN4R2F4WWlpZ1dnaF82OFVyMWFzSzRhYS1TY0dwd0NjeVU4T0pSQ0pxVQ?oc=5) · Nasdaq
- 2026-02-27 [CNB to ring Nasdaq bell Tuesday, celebrates 175th anniversary - Vermont Business Magazine](https://news.google.com/rss/articles/CBMipAFBVV95cUxNc2JXWUtjUEpEeUY1R202eTZjU2xYa3BTeDlSZFM0N1dza3U1akJGczVlNl9JVzRWbGFHOG85c1FzV2VRTm1wMkZmSDFPamZ4RS1FYjB1ZGNmRjlXbFpOS1FtcEt6MHRqeDhyNmNCN05RYmNyX0Ztc0laUnN5Z2NXRkk1XzNxeEVSc0s3TjVvTnNqRkNJV2hoMzZwRzZEWTVYWm52Rw?oc=5) · Vermont Business Magazine
- 2025-04-16 [Community National Bank & Trust BizSpotlight - The Business Journals](https://news.google.com/rss/articles/CBMimAFBVV95cUxOUUdqZkROc202dGlubXBrREhwZzF0YWs4M1hTYl9OOGoyLThrV1NrNFdyTUlwS3E0RFQ2STdQaUZHaW8xM25Cdy1rY3dsWF95bmpiN3lLWDZWS2w4VUsxX3RoVWEzYXQ2TjRUY0Vvc3NFdzZITHJYZFpqRUtmaGdsc3JLUWlSYU1pbWctUEFYNmdVekNnMWM5Uw?oc=5) · The Business Journals
- 2017-01-06 [Dime lands N.Y. banking vet to speed commercial transformation - American Banker](https://news.google.com/rss/articles/CBMinAFBVV95cUxPT3hFUWZwTDVhdWV0WTNEOEI3eHo1Z2dCQldLSDFhV05Bc213OXFCSURES0x1ejFZZWZTN1NZTTBGTzBKQ1RfQjZ1MklTb0lUZUNRVEY2VmVLYWNKNDk3RjMtWHBkUnpYQmFacVhtWUhGekRTV1Zka1VkT0ZQTXhqZWgyckhQWExLbUFEUG1kcF9VNVhoU2RfOUR1c04?oc=5) · American Banker
- 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

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57828 (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/36.json (key "57828", 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