Community National Bank
Derby, Vermont, Orleans County
$1.2B in total assets, the 934th largest of 4,309 US banks and 3rd of 12 headquartered in Vermont.
- FDIC certificate
- 6271
- Established
- 1851
- Owned by
- Community Bcorp
- Primary regulator
- OCC
At a glance
Compared with 901 US banks with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $1.2B | 15% | $2.0B | |
| Loans | $972M | 30% | $1.4B | |
| Deposits | $983M | 15% | $1.7B | |
| Return on assets | 1.62% | 76% | 1.23% | |
| Net interest margin | 3.90% | 62% | 3.71% | |
| Efficiency ratio | 52.8% | 31% | 59.1% | |
| Equity to assets | 11.31% | 64% | 10.38% | |
| Loans to deposits | 99% | 80% | 88% |
Growth
Total assets grew 4.9% a year over the last 5 years and 7.0% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jan 2008 | LyndonBank Lyndonville, VT | $149M |
| Jul 1975 | The Island Pond National Bank Island Pond, VT | n/a |
Where they operate
12 branches in 6 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Orleans County, VT | $592M | 78.2% | 1 of 3 |
| Caledonia County, VT | $151M | 17.1% | 3 of 5 |
| Washington County, VT | $141M | 7.7% | 4 of 8 |
| Franklin County, VT | $50M | 5.5% | 7 of 8 |
| Essex County, VT | $26M | 63.4% | 1 of 2 |
| Lamoille County, VT | $22M | 2.3% | 5 of 5 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
No change since 2016. The bank has operated 12 branches throughout, with none opened, acquired, closed or sold.
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 33% | 32% | |
| 1-4 family residential | 31% | 25% | |
| Business (C&I) | 12% | 14% | |
| Multifamily | 11% | 8% | |
| Construction and land | 5% | 8% | |
| Farmland | 2% | 3% | |
| Consumer | 1% | 4% | |
| Agricultural | 0% | 2% | |
| Other | 5% | 3% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 56% | 52% | |
| Time deposits | 23% | 27% | |
| Noninterest-bearing | 21% | 21% |
Brokered deposits are 3.0% of deposits (peers 6.1%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.63% | 0.51% |
| Net charge-offs, annualized | -0.01% | 0.04% |
| Reserves to loans | 1.22% | 1.15% |
| Leverage ratio | 10.63% | 10.52% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Vermont
Largest competitors in Orleans County, VT
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/community-national-bank-derby-vt