Community Nb&T (FDIC #27046): Bank Stress & Real-Estate Credit Exposure
Community Nb&T (FDIC Cert #27046): bank stress 71/100, elevated, STABLE over 7 days; parent COMMUNITY BCORP INC.
Community Nb&T (#27046) lends in 23 counties across 3 states; Community Nb&T (#27046) reaches 293 ZIP codes: Kansas 16 counties, 209 ZIPs; Missouri 6 counties, 74 ZIPs; Oklahoma 1 county, 10 ZIPs.
Community Nb&T (#27046) largest markets: Sedgwick County, KS (52 branches, 52 ZIPs) (#27046), Reno County, KS (44 branches, 22 ZIPs) (#27046), Butler County, KS (80 branches, 20 ZIPs) (#27046), Jasper County, MO (19 branches, 19 ZIPs) (#27046), Marion County, KS (19 branches, 19 ZIPs) (#27046), Johnson County, MO (19 branches, 19 ZIPs) (#27046).
Community Nb&T (#27046) reports $2.53 billion in total assets; Community Nb&T (#27046) equity $224.9 million (8.9% of Community Nb&T (#27046) assets); Community Nb&T (#27046) domestic deposits $2.21 billion; Community Nb&T (#27046) net income $14.6 million; Community Nb&T (#27046) return on assets 1.17%; Community Nb&T (#27046) return on equity 13.39%; Community Nb&T (#27046) net interest income $47.1 million; Community Nb&T (#27046) call report June 30, 2026.
Community Nb&T (#27046) noncurrent real-estate loans: none reported; Community Nb&T (#27046) residential -0.07%; Community Nb&T (#27046) net charge-offs on real estate 0.71%; Community Nb&T (#27046) residential charge-offs 0.77%.
Community Nb&T (#27046) net interest margin 4.13% against an eight-quarter Community Nb&T (#27046) average of 3.68% (Community Nb&T (#27046) compression -0.45 points); Community Nb&T (#27046) non-residential real estate 76.6% of equity; Community Nb&T (#27046) rate-exposure score 40/100, Community Nb&T (#27046) fixed-rate trap 40/100; Community Nb&T (#27046) risk type credit driven; Community Nb&T (#27046) rate regime rates elevated, Community Nb&T (#27046) snapshot October 20, 2026.
Community Nb&T (#27046) stress score moved from 73.1 on June 22, 2026 to 71.1 on October 20, 2026; Community Nb&T (#27046) ranged 71.1 to 73.1 over 117 snapshots.
Community Nb&T (#27046) alerts: 23 counties; top Community Nb&T (#27046) alert scores: Stafford County, KS 40 (moderate); Wichita County, KS 29 (low); Burns County, KS 24 (low); Carthage County, KS 24 (low); Chanute County, KS 24 (low).