Community National Bank: how it compares with its peers
Against 42 KS banks with half to twice its assets, Community National Bank's strongest measure in Q2 2026 is return on assets (1.65% vs. a 1.53% peer median). Its weakest relative measure is net interest margin (3.16% vs. 4.06%).
| Measure | Community National Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.65% | 1.53% | Middle third Ahead of 60% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.16% | 4.06% | Bottom third Ahead of 0% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 59.76% | 53.94% | Middle third Ahead of 45% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.6M | $6.7M | Middle third Ahead of 43% of peers |
| Loans to deposits Net loans and leases over total deposits. | 49.07% | 78.55% | Context |
What it means for lending operations
Its efficiency ratio of 59.76% is above the 53.94% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Legacy Bank Colwich, KS · $865M
- First Option Bank Osawatomie, KS · $818M
- United Bank & Trust Marysville, KS · $893M
- The Western State Bank Garden City, KS · $802M
- Dream First Bank, National Association Syracuse, KS · $964M
- Union State Bank Arkansas City, KS · $719M
Questions about Community National Bank
How big is Community National Bank?
Community National Bank, established in 1984, is headquartered in Seneca, KS. It reported $853M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is Community National Bank's return on assets?
1.65% annualized in Q2 2026, against a 1.53% median for 42 KS banks with half to twice its assets, ahead of 60% of them.
What is Community National Bank's efficiency ratio?
59.76% in Q2 2026: it spent about 60 cents in noninterest expense for each dollar of revenue. The peer median is 53.94%, and lower is better.
Is Community National Bank growing its loans?
Net loans shrank 6.0% over the year to Q2 2026, while deposits shrank 1.1%.
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 KS 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 Kansas bank ranked.