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Community National Bank
Derby, VT · FDIC Certificate #6271 · Chartered 01/1
Total assets
$1.17B
Total deposits
$983.38M
Total equity
$132.53M
Net loans
$960.41M
Branches (offices)
12
Net income (YTD)
$9.72M
Rank: #914 of 4,213 U.S. banks by assets · #3 of 12 in Vermont. Assets changed 0.5% and deposits 5.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.58% |
| Return on equity | 15.07% |
| Net interest margin (YTD) | 3.90% |
| Equity to assets | 11.31% |
| Tier 1 leverage ratio | 10.63% |
| Uninsured deposits (share of deposits) | 23.4% |
| Noncurrent loans (share of loans) | 0.86% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 97.7% |
| Real estate loans (share of loans) | 83.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $798.83M | 83.2% | |
| Commercial & industrial | $113.34M | 11.8% | |
| Consumer / individual | $8.12M | 0.8% | |
| Construction & development | $48.57M | 5.1% | |
| Agricultural | $1.51M | 0.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $998.96M | $873.10M | $5.78M | $86.13M |
| Jun 2023 | $1.03B | $852.69M | $7.11M | $92.27M |
| Jun 2024 | $1.10B | $850.10M | $6.15M | $103.23M |
| Jun 2025 | $1.17B | $934.46M | $8.17M | $118.18M |
| Jun 2026 | $1.17B | $983.38M | $9.72M | $132.53M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Vermont | $983.38M | 12 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $983.38M.
Similar-sized banks
First General Bank ($1.17B) · The North Side Bank And Trust Company ($1.17B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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