Community National Bank: how it compares with its peers
Against 999 U.S. banks with half to twice its assets, Community National Bank's strongest measure in Q2 2026 is efficiency ratio (52.83% vs. a 60.92% peer median). Its weakest relative measure is net interest margin (3.90% vs. 3.85%).
| Measure | Community National Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.58% | 1.24% | Top third Ahead of 70% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.90% | 3.85% | Middle third Ahead of 54% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 52.83% | 60.92% | Top third Ahead of 74% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.8M | $7.7M | Top third Ahead of 67% of peers |
| Loans to deposits Net loans and leases over total deposits. | 97.66% | 84.34% | Context |
What it means for lending operations
Its efficiency ratio of 52.83% is better than the 60.92% 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
- First General Bank Rowland Heights, CA · $1.17B
- Citizens Bank of Las Cruces Las Cruces, NM · $1.17B
- The Honesdale National Bank Honesdale, PA · $1.17B
- Citizens Bank Mukwonago, WI · $1.17B
- American Community Bank & Trust Woodstock, IL · $1.18B
- First National Bank and Trust Company of Newtown Newtown, PA · $1.17B
Questions about Community National Bank
How big is Community National Bank?
Community National Bank, established in 1851, is headquartered in Derby, VT. It reported $1.17B in total assets in its Q2 2026 FDIC call report and operates 12 offices.
What is Community National Bank's return on assets?
1.58% annualized in Q2 2026, against a 1.24% median for 999 U.S. banks with half to twice its assets, ahead of 70% of them.
What is Community National Bank's efficiency ratio?
52.83% in Q2 2026: it spent about 53 cents in noninterest expense for each dollar of revenue. The peer median is 60.92%, and lower is better.
Is Community National Bank growing its loans?
Net loans grew 3.0% over the year to Q2 2026, while deposits grew 5.2%.
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 U.S. 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 Vermont bank ranked.