COMMUNITY NATIONAL BANK & TRUST

CHANUTE, KS · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1987FDIC #27,046

Satisfactory Down

Current rating · Exam: October 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.04%

Institution Profile

FDIC BankFind

Website

www.mybankcnb.com

Address

14 N Lincoln Ave, CHANUTE, KS

County

Neosho County

Established

September 4, 1987

Total Assets

$2.5B(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

October 10, 2023

Exam Type

Intermediate Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

Estimated next exam:Oct 2027(based on asset size)

Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$2.5B

Total Deposits

$2.2B

Net Loans

$1.7B

Net Income

$6M

ROA

1.04%

Above avg for Community banks. Peer avg: 0.90%

ROE

11.99%

Risk-Based Capital

13.59%

Above avg for Community banks. Regulatory min: 8%

Peer Comparison

Community banks

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

ROA1.04%Peer avg: 0.90%▲ Above avg

Risk-Based Capital13.59%Peer avg: 12.91%▲ Above avg

Mortgage Denial Rate5.98%Peer avg: 9.91%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$2.0B

1-Year Change

5-year net change: +5 branches

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	1,454	82.46%	5.98%
2023	1,409	80.77%	6.17%
2022	1,523	82.27%	6.04%
2021	1,403	76.41%	8.13%
2020	1,230	75.37%	7.64%
2019	1,056	72.54%	10.23%
2018	965	74.2%	10.05%

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
Oct 2023	Satisfactory	Intermediate Small Bank
Oct 2020	Outstanding	Intermediate Small Bank
Oct 2017	Satisfactory	Intermediate Small Bank

7 previous ratings locked — back to 1991

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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