Community National Bank
Derby, VT
IDRSSD: 270504
Total Assets
$1.23B
Latest filing
Total Deposits
$1.01B
Latest filing
Net Interest Margin
3.82%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Community National Bank
4811 U.S. Route 5
Derby, VT 05855
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/15/1851FDIC Certificate 4235
Branches (11)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Community National Bank (Main) | 4811 U.S. Route 5 | Derby, VT |
| DERBY LINE BRANCH | 69 Main St | Derby Line, VT |
| BARTON BRANCH | 103 Church St | Barton, VT |
| NEWPORT BRANCH | 100 Main St | Newport, VT |
| TROY BRANCH | 4245 Us Route 101 | Troy, VT |
| ST. JOHNSBURY-PRICE CHOPPER BRANCH | 857 Memorial Dr | Saint Johnsbury, VT |
| LYNDONVILLE-MEMORIAL DRIVE BRANCH | 467 Broad St | Lyndonville, VT |
| ENOSBURG FALLS BRANCH | 49 Sampsonville Rd | Enosburg Falls, VT |
Showing 7 of 11
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 01/15/1851 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 05855 |
| State and County Number | 50019 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 01 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 130 |
| Domestic Offices | 12 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 11/17/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.communitynationalbank.com |
| Data Updated | 11/14/2025 |
| CERT | 6271 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.23B |
| Total Deposits | $1.01B |
| Total Liabilities | $1.10B |
| Total Equity Capital | $123.40M |
| Net Income | $5.02M |
| Net Loans and Leases | $953.12M |
| Assets Per Employee ($Millions) | $9.28M |
| Bank Premises and Fixed Assets | $12.39M |
| Cash and Balances due from Depository Institutions | $61.35M |
| Deposits Held in Domestic Offices | $1.01B |
Key Performance Ratios
| Return on Assets (ROA) | 1.68% |
| Return on Equity (ROE) | 16.62% |
| Net Interest Margin | 3.82% |
| Efficiency Ratio | 51.14% |
| Tier 1 Risk-Based Capital Ratio | 14.092% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.09% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.069% |
| Earning Assets to total Assets | 94.2% |
Income and Expense
| Total Interest Income | $15.41M |
| Total Noninterest Income | $2.10M |
| Total Interest Expense | $4.66M |
| Total Noninterest Expense | $6.57M |
| Net Interest Income | $10.75M |
| Pre-tax Net Operating Income | $6.02M |
| Provision for Credit Losses | $259.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $319.00k |
| Other borrowed funds | $49.30M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $34.18M |
| All Other Liabilities | $8.64M |
| Total Liabilities and Capital | $1.23B |
Securities
| Securities | $151.76M |
| Available-for-sale debt securities | $151.76M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Community National Bank?
$1.23B as of the latest filing.
How much are Community National Bank's total deposits?
$1.01B in total deposits.
Where is Community National Bank located?
Derby, VT.
What is the Net Interest Margin?
3.82%.
How many domestic offices does it operate?
12.
When was it established?
01/15/1851.
What is the Return on Assets (ROA)?
1.68%.
How much are total loans and leases?
$953.12M (latest filing).
What is the total interest income (latest filing)?
$15.41M.