Community National Bank & Trust: how it compares with its peers
Against 9 KS banks with half to twice its assets, Community National Bank & Trust's strongest measure in Q2 2026 is net interest margin (4.13% vs. a 3.99% peer median). Its weakest relative measure is assets per employee ($5.0M vs. $6.7M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.17% | 1.56% | Bottom third Ahead of 22% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.13% | 3.99% | Top third Ahead of 78% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 63.37% | 61.06% | Bottom third Ahead of 33% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.0M | $6.7M | Bottom third Ahead of 0% of peers |
| Loans to deposits Net loans and leases over total deposits. | 75.89% | 75.66% | Context |
What it means for lending operations
Its efficiency ratio of 63.37% is above the 61.06% 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
- KS StateBank Manhattan, KS · $2.60B
- Emprise Bank Wichita, KS · $2.82B
- Fidelity Bank, National Association Wichita, KS · $3.30B
- Landmark National Bank Manhattan, KS · $1.60B
- Peoples Bank and Trust Company Mcpherson, KS · $1.59B
- Armed Forces Bank, National Association Fort Leavenworth, KS · $1.42B
Questions about Community National Bank & Trust
How big is Community National Bank & Trust?
Community National Bank & Trust, established in 1987, is headquartered in Chanute, KS. It reported $2.53B in total assets in its Q2 2026 FDIC call report and operates 44 offices.
What is Community National Bank & Trust's return on assets?
1.17% annualized in Q2 2026, against a 1.56% median for 9 KS banks with half to twice its assets, ahead of 22% of them.
What is Community National Bank & Trust's efficiency ratio?
63.37% in Q2 2026: it spent about 63 cents in noninterest expense for each dollar of revenue. The peer median is 61.06%, and lower is better.
Is Community National Bank & Trust growing its loans?
Net loans grew 11.1% over the year to Q2 2026, while deposits grew 10.8%.
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.