Community National Bank

Chartered Bank Active FDIC Insured
Health Score
10.0 / 10

4811 U.S. Route 5, Derby, VT 05855

Financial Overview

Total Assets $1.23B
Total Deposits $1.02B
Profitability (ROA) 1.50%
Shareholder Return (ROE) 14.85%
Capital Cushion (Eq/Assets) 10.44%
Established 01/15/1851

Financial Health Analysis

Community National Bank is a currently active commercial lending specialization banking institution headquartered in Derby, Vermont. Established in 01/15/1851, this institution operates under regulatory supervision and is fully insured by the FDIC.

As a financial institution, Community National Bank manages $1.23B in total assets and holds $1.02B in customer deposits. When evaluating the stability of Community National Bank, one of the most critical metrics is its Capital Cushion (Equity-to-Assets Ratio). At 10.44%, this indicates how much financial loss the bank can absorb before depositors' funds are placed at risk. A strong equity cushion is a key indicator of a bank's ability to weather economic downturns.

In terms of operational efficiency, the bank's Return on Assets (ROA) is 1.50%, while its Return on Equity (ROE) sits at 14.85%. These robust metrics contribute to an overall health score of 10.0 out of 10, signaling a well-capitalized and efficiently managed operation that effectively balances risk and shareholder return.

Risk & Growth Profiles

✓ Clean Regulatory Record

No recent history of FDIC conservatorship or financial failure.

Deposit Momentum

$84.9M avg deposits per branch.

Measures how much capital the bank holds against its physical footprint. A higher ratio indicates a highly liquid, lower-overhead lending profile.

Operations & Contact

Contact

Website: www.communitynationalbank.com

FDIC Certificate #: 6271

Specialization: Commercial Lending Specialization

Location

4811 U.S. Route 5

Derby, Vermont 05855

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