Community National Bank (FDIC #24897): Bank Stress & Real-Estate Credit Exposure

Community National Bank (FDIC Cert #24897): bank stress 38/100, contained, STABLE over 7 days; parent MIDLAND BANCSHARES INC.

Community National Bank (#24897) lends in 5 counties across 1 state; Community National Bank (#24897) reaches 90 ZIP codes: Texas 5 counties, 90 ZIPs.

Community National Bank (#24897) largest markets: Collin County, TX (40 branches, 40 ZIPs) (#24897), Lubbock County, TX (52 branches, 26 ZIPs) (#24897), Ector County, TX (11 branches, 11 ZIPs) (#24897), Midland County, TX (63 branches, 9 ZIPs) (#24897), Martin County, TX (8 branches, 8 ZIPs) (#24897).

Community National Bank (#24897) reports $2.54 billion in total assets; Community National Bank (#24897) equity $328.3 million (12.9% of Community National Bank (#24897) assets); Community National Bank (#24897) domestic deposits $2.18 billion; Community National Bank (#24897) net income $27.0 million; Community National Bank (#24897) return on assets 2.10%; Community National Bank (#24897) return on equity 16.91%; Community National Bank (#24897) net interest income $61.0 million; Community National Bank (#24897) call report June 30, 2026.

Community National Bank (#24897) noncurrent real-estate loans: none reported; Community National Bank (#24897) commercial real estate -0.10%; Community National Bank (#24897) net charge-offs on real estate 2.10%; Community National Bank (#24897) residential charge-offs 0.08%.

Community National Bank (#24897) net interest margin 5.06% against an eight-quarter Community National Bank (#24897) average of 5.14% (Community National Bank (#24897) compression 0.08 points); Community National Bank (#24897) non-residential real estate 8.3% of equity; Community National Bank (#24897) rate-exposure score 40/100, Community National Bank (#24897) fixed-rate trap 40/100; Community National Bank (#24897) risk type rate trapped; Community National Bank (#24897) rate regime rates elevated, Community National Bank (#24897) snapshot October 20, 2026.

Community National Bank (#24897) stress score moved from 40.1 on June 22, 2026 to 38.2 on October 20, 2026; Community National Bank (#24897) ranged 38.2 to 40.1 over 117 snapshots.

Community National Bank (#24897) alerts: 5 counties; top Community National Bank (#24897) alert scores: Dallas County, TX 31 (low); Lubbock County, TX 21 (low); Midland County, TX 19 (low); Odessa County, TX 15 (low); Stanton County, TX 15 (low).