Community National Bank: how it compares with its peers
Against 55 TX banks with half to twice its assets, Community National Bank's strongest measure in Q2 2026 is net interest margin (5.06% vs. a 3.90% peer median). Its weakest relative measure is assets per employee ($9.2M vs. $8.7M).
| Measure | Community National Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.10% | 1.59% | Top third Ahead of 85% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.06% | 3.90% | Top third Ahead of 95% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 47.63% | 56.20% | Top third Ahead of 71% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.2M | $8.7M | Middle third Ahead of 54% of peers |
| Loans to deposits Net loans and leases over total deposits. | 71.53% | 78.01% | Context |
What it means for lending operations
Its efficiency ratio of 47.63% is better than the 56.20% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- American National Bank & Trust Wichita Falls, TX · $2.54B
- Horizon Bank, SSB Austin, TX · $2.55B
- Extraco Banks, National Association Temple, TX · $2.57B
- State Bank of Texas Irving, TX · $2.59B
- Wells Fargo Bank South Central, National Association Houston, TX · $2.59B
- TexasBank Fort Worth, TX · $2.48B
Questions about Community National Bank
How big is Community National Bank?
Community National Bank, established in 1984, is headquartered in Midland, TX. It reported $2.54B in total assets in its Q2 2026 FDIC call report and operates 13 offices.
What is Community National Bank's return on assets?
2.10% annualized in Q2 2026, against a 1.59% median for 55 TX banks with half to twice its assets, ahead of 85% of them.
What is Community National Bank's efficiency ratio?
47.63% in Q2 2026: it spent about 48 cents in noninterest expense for each dollar of revenue. The peer median is 56.20%, and lower is better.
Is Community National Bank growing its loans?
Net loans shrank 1.2% over the year to Q2 2026, while deposits grew 4.9%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.