Community National Bank
4811 U.S. Route 5, Derby, VT 05855
Financial Overview
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