Community Bank (FDIC #31272): Bank Stress & Real-Estate Credit Exposure

Community Bank (FDIC Cert #31272): bank stress 73/100, elevated, STABLE over 7 days; parent COMMUNITY NATIONAL CORP.

Community Bank (#31272) lends in 3 counties across 1 state; Community Bank (#31272) reaches 32 ZIP codes: Tennessee 3 counties, 32 ZIPs.

Community Bank (#31272) largest markets: Henderson County, TN (28 branches, 14 ZIPs) (#31272), Madison County, TN (13 branches, 13 ZIPs) (#31272), Chester County, TN (12 branches, 12 ZIPs) (#31272).

Community Bank (#31272) reports $357.5 million in total assets; Community Bank (#31272) equity $38.2 million (10.7% of Community Bank (#31272) assets); Community Bank (#31272) domestic deposits $301.0 million; Community Bank (#31272) net income $1.4 million; Community Bank (#31272) return on assets 0.76%; Community Bank (#31272) return on equity 7.72%; Community Bank (#31272) net interest income $7.0 million; Community Bank (#31272) call report June 30, 2026.

Community Bank (#31272) noncurrent real-estate loans: none reported; Community Bank (#31272) net charge-offs on real estate 0.82%; Community Bank (#31272) residential charge-offs 2.00%.

Community Bank (#31272) net interest margin 4.12% against an eight-quarter Community Bank (#31272) average of 4.00% (Community Bank (#31272) compression -0.12 points); Community Bank (#31272) non-residential real estate 199.5% of equity; Community Bank (#31272) rate-exposure score 40/100, Community Bank (#31272) fixed-rate trap 40/100; Community Bank (#31272) risk type credit driven; Community Bank (#31272) rate regime rates elevated, Community Bank (#31272) snapshot October 19, 2026.

Community Bank (#31272) stress score moved from 72.8 on June 22, 2026 to 72.9 on October 19, 2026; Community Bank (#31272) ranged 72.8 to 72.9 over 116 snapshots.

Community Bank (#31272) alerts: 3 counties; top Community Bank (#31272) alert scores: Henderson County, TN 51 (elevated); Jackson County, TN 37 (moderate); Lexington County, TN 24 (low).