# COMMUNITY NATIONAL BANK
DERBY, VT · FDIC certificate 6271 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 0 (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 | $1.17B | |
| Deposits | $983.4M | |
| Loans and leases | $972.3M | |
| Total equity | $132.5M | |
| Loans / deposits | 97.66% (p80 of band) | 87.10% |
| Liquid assets / assets | 13.10% (p14 of band) | |
| Uninsured deposits / deposits | 23.37% (p25 of band) | 30.76% |
| Brokered deposits | 2.54% | |
| Wholesale funding | 6.71% (p53 of band) | |
| FHLB advances / assets | 0.94% | |
| Tier 1 leverage | 10.63% (p53 of band) | 10.50% |
| Unrealized securities loss / equity | -8.95% (p44 of band) | -7.75% |
| AOCI / equity | 0.18% (p87 of band) | |
| ROA (annualized) | 1.58% (p72 of band) | 1.26% |
| Net interest margin | 3.90% (p63 of band) | 3.70% |
| Efficiency ratio | 52.83% (p32 of band) | |
| Noncurrent loans | 0.86% (p69 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p8 of band) | |
| Reserve coverage of noncurrent | 141.69% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 36.65% (p38 of band) | |
| Auto loans | $173,000 (0.02% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $4.0M (3% of equity) (p81 of band) | |
| Deposits YoY | 5.2% | |
| Employees | 133 | |

## Flags firing in the latest filing

- none

## 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 | 2 | capital falling |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | reserve under noncurrent |
| 2013-09 | 1 | reserve under noncurrent |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 0 |  | reserve under noncurrent |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 1 | wholesale funding >15% | capital falling |
| 2017-03 | 0 |  | wholesale funding >15% |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | capital falling |  |
| 2019-03 | 0 |  | capital falling |
| 2019-06 | 2 | loans exceed deposits, reserve under noncurrent |  |
| 2019-09 | 1 |  | loans exceed deposits |
| 2019-12 | 0 |  | reserve under noncurrent |
| 2020-03 | 1 | loans exceed deposits |  |
| 2020-06 | 2 | liquid assets <10% |  |
| 2020-09 | 1 | capital falling | loans exceed deposits, liquid assets <10% |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | charge-offs p90 |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 4 | AOCI drag >20% of equity, securities losses >30% of equity, noncurrent p90, reserve under noncurrent | charge-offs p90 |
| 2022-12 | 2 |  | securities losses >30% of equity, reserve under noncurrent |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 0 |  | noncurrent p90 |
| 2023-09 | 1 | securities losses >30% of equity |  |
| 2023-12 | 0 |  | securities losses >30% of equity |
| 2024-03 | 1 | uninsured deposits leaving |  |
| 2024-06 | 2 | loans exceed deposits |  |
| 2024-09 | 0 |  | uninsured deposits leaving, loans exceed deposits |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2026-08-31 [Hope Colburn promoted to Regional VP of Commercial Banking at CNB - Vermont Business Magazine](https://news.google.com/rss/articles/CBMimAFBVV95cUxQeGpIR1E4d3ZKemhjb0xCNElLNkVTM0FDekZ3aU1SN081UWw0azNHcHR5TnJFWlZzYWc5R2xpaUxzd0huMmNhNFNGOEJaM3JKaWpFS2lvVVRLckJRNDBNSEJfLVhtQU01c0RycEZGR3BaTUdKMVdBbF9ob3JWYVl2T0Jrdk5yZjdTeTMwZ054UUhLbzhVN19DRw?oc=5) · Vermont Business Magazine
- 2026-06-29 [Community Bancorp. Achieves First-Time Inclusion to the Russell 2000 Index - Yahoo Finance](https://news.google.com/rss/articles/CBMipAFBVV95cUxQX3hWTGwwR1AyTWpORWJaTDFoMHBjNUtJRWhiaGxSazhtdVQ4U1lfNldVZElmdHZvUEN3bmxrZjFHeDdFdUFteXpMaGJvMkdHZnRCSlFralNtSWpuZWpNQ2QtdUxpRllUcF93SmxyNW9BZWQzZGwtQnFiUkViamgxN1gxbGxyNzNONWtVNkFPTWVENHZ2UDJvRWdKY05HeHRGVmkySA?oc=5) · Yahoo Finance
- 2026-03-03 [Vermont bank rings Nasdaq closing bell, celebrates 175 years in business - wcax.com](https://news.google.com/rss/articles/CBMiowFBVV95cUxPZGsyYktvYUxBWGVlT0xTMS02UHJGMmRfaE1tQzJCX2FYZG1nV1EyUk1wS3RCTWEwblk4ek9BLXVxZ085UkdCMERJYjJIWEx4T3hISk8zRGlRZzNGUFpHLXZMTUhJc0VxRmlnRDc3cmtmNUZnNkV6bC1hbnkyY09rZEVfTkNQTUJQeV9qbk9DUlRINWxIWE5QLWM3WElJczRFeGNN0gG3AUFVX3lxTE10U1hJaFU3NFlXOTl3dWFZNnNIVmd5cHJjVG5JZnNhUEpMV2doQmQ4SWFxdjlUY1NKZGVRekRxX3NtNko1ekpPUUo2cW5WeC1NbndSbFF0UkU0UlFsai1qZVRhSHZlaHIta0tDbG5FQ2RPU2dmRUIxbHU4SjNiZFZJSlVxZS1wX2dLOUZJRnpFa0tZbHNjc3MwR1Q0TTJDWWdyZFJZMm1YakVkWTVJQUJ2N2UxdHJ0cw?oc=5) · wcax.com
- 2026-08-27 [David Rubel promoted to Regional VP of Commercial Banking at CNB - Vermont Business Magazine](https://news.google.com/rss/articles/CBMilwFBVV95cUxNcXh1U2JNaU00Z0RkdFZTUEZwRVIwYnRyRkVpNHc4aGN2djV1d0IwQkczelBGbzFEeUgwNlJFa0JJSzJrU0RodXNqWmVPR0N6NHJtMlBOckJUUGMxMTJfUGluelBFYWdSZkJuX2JWNjNUMDFnVVdETndISkhNZHRyM2tGMU82alN1aW9PWGM2UVpwckdaSENn?oc=5) · Vermont Business Magazine
- 2026-03-03 [Community Bancorp. Rings the Nasdaq Stock Market Closing Bell - Nasdaq](https://news.google.com/rss/articles/CBMijwFBVV95cUxNUDc0NmJjUDFZYnV2S3p2ZlFEZUFVT0dySUZzSzRVUE5RUzd1NEZwbTk4RUdueVd5NHNUY293N2V6eUJIRHg0VzZZMUQtRUtjd3VCZDZQVzhtN0pxTG0zZExDd0ZGYWN4R2F4WWlpZ1dnaF82OFVyMWFzSzRhYS1TY0dwd0NjeVU4T0pSQ0pxVQ?oc=5) · Nasdaq
- 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
- 2026-04-21 [Community Bancorp reports first quarter 2026 earnings - Vermont Business Magazine](https://news.google.com/rss/articles/CBMimwFBVV95cUxPUHR6WDhyem5HdXZTbVllS2F2dnFhRWlKUEdBcmZ6Q1Btc1Z4Uk9VaDlPRTRhUVYyUmQyenlEbnNsYmNiRHFGdTZTa2lhTnloRFhaNFhWb2VXQWRPRnNVM29CaVc2UGY2eUV0cEU4bnBsOHRjaTJGcVd2VG5jMGlRSnhiTnZjdGhFdWt3VlhaNU5hVGRFV0lYYkVVcw?oc=5) · Vermont Business Magazine
- 2026-07-11 [Balloon pilots and Community National Bank donate to NEKCA Food Shelf - Vermont Business Magazine](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPX1RBQVplUzJvbC03aDBFSUdqQ3dvampqR3YwR0NQY0l0STdWbWw3aVowZTlURzVlaUkxVW9fUmhuUDVOa0FmWVROcnpXcjJ5WE9oME1NREVadDh1dmZ1WmVvX3NmR2s5XzlqbHhhMDlYSWNWZENqWWRUcEdNNGplanVSaTVFZHhGUFBvTjRUREY5SXpxRV8ycElfTjVLekh1dDVhalpKUHFESVk?oc=5) · Vermont Business Magazine

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=6271 (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/63.json (key "6271", 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