COMMUNITY NATIONAL BANK

MIDLAND, TX · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1984FDIC #24,897

Satisfactory Same

Current rating · Exam: August 2018

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 2.04%

Institution Profile

FDIC BankFind

Website

www.cnbtx.bank

Address

500 W Illinois Ave, MIDLAND, TX

County

Midland County

Established

January 3, 1984

Total Assets

$2.6B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

August 13, 2018

Exam Type

Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

⚠️This exam is 7 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$2.6B

Total Deposits

$2.2B

Net Loans

$1.6B

Net Income

$13M

ROA

2.04%

Above avg for Community banks. Peer avg: 0.90%

ROE

16.73%

Risk-Based Capital

17.69%

Above avg for Community banks. Regulatory min: 8%

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

ROA2.04%Peer avg: 0.90%▲ Above avg

Risk-Based Capital17.69%Peer avg: 12.91%▲ Above avg

Mortgage Denial Rate5.07%Peer avg: 9.91%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$2.1B

1-Year Change

5-year net change: +1 branches

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2023	828	84.9%	5.07%
2022	1,054	82.73%	7.78%
2021	1,167	81.06%	8.57%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Aug 2018	Satisfactory	Small Bank
Oct 2013	Satisfactory	Small Bank
May 2008	Satisfactory	Small Bank

3 previous ratings locked — back to 1993

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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