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Community National Bank And Trust

IDRSSD: 923752
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
85
/ 100
StrongAs of 2025-Q2QoQ 0

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q2

Bank #923752 2025-Q2 Vital Signs Score: 85/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

Liquidity:Strong
Securities:Strong
Capitalization:Stable
Asset Quality:Strong
Reserves:Stable

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q1 2025:
↑ 0 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↓ 0
  • Asset Quality
    ↑ +4
  • Reserves
    ↓ 0

The five pillars

Liquidity

StrongQoQ -3
84
Sub-score

Liquidity is strong: brokered 2.2%, loans/deposits 75.7%, cash 4.7% of assets.

Cash / Assets
4.74%
Loans / Deposits
75.74%
Brokered %
2.15%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 2.7% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
2.72%
No watch items at this period.

Capitalization

StableQoQ 0
75
Sub-score

Capital position is stable: Tier 1 RBC 12.21%, CET1 12.21%, leverage 8.37%.

Tier 1 RBC
12.21%
CET1
12.21%
Leverage
8.37%
No watch items at this period.

Asset Quality

StrongQoQ +4
95
Sub-score

Asset quality is strong: Adjusted NPL 0.94%, Texas Ratio 6.7%, NCO YTD 0.01%.

Adjusted NPL
0.94%
Govt-guarantees stripped
Texas Ratio
6.7%
NCO YTD
0.01%
30-89 PD
0.48%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ 0
73
Sub-score

Reserves are stable: ALLL 1.18% of loans, coverage 127.2%, true coverage 127.2%.

ALLL / Loans
1.18%
Coverage
127.2%
True Loss Coverage
127.2%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-13 04:18:52 UTC