Community National Bank & Trust
Chanute, Kansas, Neosho County
$2.5B in total assets, the 512th largest of 4,309 US banks and 8th of 185 headquartered in Kansas.
- FDIC certificate
- 27046
- Established
- 1987
- Owned by
- Community Bcorp Inc
- Primary regulator
- OCC
- Website
- www.mybankcnb.com
At a glance
Compared with 19 banks headquartered in Kansas 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 | $2.5B | 63% | $1.4B | |
| Loans | $1.7B | 63% | $916M | |
| Deposits | $2.2B | 68% | $1.2B | |
| Return on assets | 1.18% | 26% | 1.43% | |
| Net interest margin | 4.13% | 79% | 3.83% | |
| Efficiency ratio | 63.4% | 68% | 59.1% | |
| Equity to assets | 8.88% | 21% | 10.63% | |
| Loans to deposits | 77% | 37% | 84% |
Growth
Total assets grew 7.0% a year over the last 5 years and 10.1% a year over 10 years, including 4 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jul 2025 | Prairie Bank of Kansas Stafford, KS | $134M |
| Sep 2022 | Quarry City Savings and Loan Association Warrensburg, MO | $75M |
| Aug 2020 | Farmers Bank of Lincoln Lincoln, MO | $139M |
| Jun 2018 | Heritage State Bank Nevada, MO | $135M |
| Dec 2010 | The First State Bank Arma, KS | $9M |
| Jan 2001 | First State Bank Edna, KS, an affiliate under the same holding company | $78M |
Where they operate
44 branches in 23 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Montgomery County, KS | $291M | 41.6% | 1 of 7 |
| Allen County, KS | $217M | 43.4% | 1 of 5 |
| Crawford County, KS | $193M | 17.6% | 2 of 10 |
| Neosho County, KS | $179M | 28.7% | 2 of 7 |
| Cowley County, KS | $168M | 18.0% | 3 of 7 |
| Benton County, MO | $164M | 31.5% | 1 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
Net gain of 17 branches since 2016 (27 to 44, +63.0%). 7 opened, 10 acquired, 0 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 27 | |||
| 2016 | Opened Emporia | 2 | 0 | +2 | 29 |
| 2018 | Acquired Heritage State BankOpened Ponca City | 5 | 0 | +5 | 34 |
| 2020 | Acquired Farmers Bank of LincolnOpened 3 in 2 states | 4 | 0 | +4 | 38 |
| 2021 | Opened Wichita | 1 | 0 | +1 | 39 |
| 2022 | Acquired Quarry City Savings and Loan Association | 1 | 0 | +1 | 40 |
| 2025 | Acquired Prairie Bank of Kansas | 4 | 0 | +4 | 44 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 26% | 24% | |
| Commercial real estate | 23% | 32% | |
| Business (C&I) | 14% | 14% | |
| Farmland | 12% | 7% | |
| Agricultural | 11% | 5% | |
| Construction and land | 7% | 8% | |
| Consumer | 3% | 2% | |
| Multifamily | 3% | 5% | |
| Other | 1% | 2% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 51% | 52% | |
| Time deposits | 30% | 26% | |
| Noninterest-bearing | 19% | 22% |
Brokered deposits are 0.7% of deposits (peers 5.4%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.80% | 0.60% |
| Net charge-offs, annualized | 0.05% | 0.05% |
| Reserves to loans | 1.20% | 1.29% |
| Leverage ratio | 8.97% | 10.64% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Kansas
Largest competitors in Montgomery County, KS
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-trust-chanute-ks