COMMUNITY NATIONAL BANK

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

Est. 1984FDIC #25,665

Satisfactory Same

Current rating · Exam: April 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.45%

Institution Profile

FDIC BankFind

Website

www.bankoncnb.com

Address

210 Main St, SENECA, KS

County

Nemaha County

Established

October 4, 1984

Total Assets

$904M(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

April 24, 2023

Exam Type

Intermediate Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

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

Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$904M

Total Deposits

$810M

Net Loans

$394M

Net Income

$3M

ROA

1.45%

ROE

23.26%

Risk-Based Capital

14.99%

Regulatory minimum: 8%

Peer Comparison

Small banks

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

Mortgage Denial Rate5.74%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$781M

1-Year Change

5-year net change: +2 branches

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	836	81.58%	5.74%
2023	828	84.9%	5.07%
2022	1,054	82.73%	7.78%
2021	1,167	81.06%	8.57%
2020	1,429	77.54%	9.80%
2019	986	82.45%	7.40%
2018	1,057	82.5%	7.85%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

7 previous ratings locked — back to 1994

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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