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Q2 2026 · read from the 30 June 2026 Call Report · United States · Plains · Kansas, the state note

Community National Bank & Trust

Chanute, Kansas · $2.53B in assets · beside the 11 other Kansas banks between $1B and $3B

The filing

19.3%
CRE / loans
2nd of 12
+11.1%
Loans, year over year
2nd of 12, largest first
1.14%
ROA
10th of 12

Community National Bank & Trust is the third largest of the 12 Kansas banks nearest its size between $1B and $3B, with $2.53B in assets at 30 June 2026. Loans are 76.8% of deposits, 5th of 12 against a median of 79.0%, and equity is 8.9% of assets, 9th of 12. Loans grew +11.1% in the year, 2nd of 12, and deposits grew 10.8%; the cohort's median loan growth is +4.8%.

Noncurrent loans are 0.80% of the book, 6th of 12 against a median of 0.86%; 0.55% is 30 to 89 days past due, and the allowance covers them 1.5 times. Commercial real estate is 19.3% of loans, 2nd of 12 against a median of 31.5%, and 131% of capital, below the 300% screen, with construction at 46% against the 100% screen.

Return on assets is 1.14%, 10th of 12 against a median of 1.48%, on an efficiency ratio of 63.8%, 7th of 12. Five years ago it was 0.97%. The question is which of these lines moves first over the next four quarters, and against which peer.

Commercial real estate, share of loansKS banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 31.5% BS Bennington State Bank 17.7% CN Community National Bank & Trust 19.3% LN Landmark National Bank 19.6% KS KS Statebank 22.4% PB Peoples Bank & Trust Co. 28.1% CN Central National Bank 29.8% Bo Bank of Labor 33.1% AF Armed Forces Bank N.A. 34.4% NB NBKC Bank 36.6% CB Corefirst Bank & Trust 37.1% FN First National Bank of Hutchinson 40.1% EB Emprise Bank 44.9%
Loans, year over yearKS banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +4.8% BS Bennington State Bank +15.6% CN Community National Bank & Trust +11.1% NB NBKC Bank +10.1% EB Emprise Bank +8.3% Bo Bank of Labor +7.0% CB Corefirst Bank & Trust +6.3% PB Peoples Bank & Trust Co. +3.4% CN Central National Bank +3.1% KS KS Statebank +0.7% FN First National Bank of Hutchinson -0.2% LN Landmark National Bank -1.4% AF Armed Forces Bank N.A. -5.5%

SBA 7(a), FY2008 to FY2026

Community National Bank & Trust is the 29th largest 7(a) lender into Kansas of 343, with $31M across 114 loans, 0.9% of everything approved in the state (Live Oak Banking Company leads with $155M). 18 of its 48 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Kansas, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Butler, KS$8M1st of 4913.9%-5.2 pts
Sedgwick, KS$6M18th of 1281.2%+1.7 pts
Jasper, MO$5M11th of 582.3%+0.4 pts
Jackson, MO$4M60th of 1830.4%thin
Vernon, MO$3M1st of 1622.5%thin
Reno, KS$3M4th of 317.6%thin
Montgomery, KS$2M2nd of 1913.2%+5.1 pts
Bourbon, KS$2M3rd of 1413.9%quiet FY2013
Douglas, KS$1M20th of 701.3%thin
Crawford, KS$1M7th of 234.7%thin
Johnson, KS$1M105th of 1850.1%+0.2 pts
Walton, FL$1M32nd of 580.7%thin
Escambia, AL$923K6th of 158.0%thin
35 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services41$15M29.5%0.02%448th of 2,596
Retail trade28$8M15.4%0.01%552nd of 2,589
Other services13$6M11.3%0.02%492nd of 2,248
Arts, entertainment & recreation10$5M9.2%0.03%352nd of 1,656
Manufacturing8$3M6.3%0.01%875th of 2,246
7(a) lenders into Kansas, share of approvals since FY2008343 lenders on record; the ten largest and Community National
LO Live Oak Banking Company 4.8% $155M · 129 loans EB Equity Bank 3.7% $119M · 219 loans FB First Business Bank 3.7% $119M · 183 loans UB U.S. Bank, National Association 3.6% $115M · 503 loans IB Intrust Bank National Association 3.6% $114M · 498 loans UB UMB Bank, National Association 3.3% $105M · 384 loans WF Wells Fargo Bank National Associa… 3.2% $102M · 189 loans OB Oakstar Bank 3.1% $99M · 117 loans EB Emprise Bank 2.9% $94M · 280 loans BB Busey Bank 2.6% $84M · 115 loans CN Community National Bank & Trust 1.0% $31M · 114 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers; owner-occupied excluded; bold marks a screen met
Community NationalRankCohort median
Total CRE against capital, the 300% screen131%5th of 12142%
Construction against capital, the 100% screen46%8th of 1242%
Construction and land development, share of loans6.7%6th of 126.8%
Non-owner-occupied nonfarm nonresidential, share of loans9.4%2nd of 1217.2%
Total CRE, the guidance definition, share of loans19.3%2nd of 1231.5%
CRE growth over 36 months, the third prong+46.2%11th of 12+18.4%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Emprise Bank$2.82B1.6%61.1%0.37%0.08%1.2%80.9%7.5%
KS Statebank$2.60B2.0%38.8%2.49%0.03%1.9%94.6%13.2%
Community National Bank & Trust$2.53B1.1%63.8%0.80%0.05%1.2%76.8%8.9%
Landmark National Bank$1.60B1.3%62.3%1.18%0.14%1.1%84.3%11.6%
Peoples Bank & Trust Co.$1.59B0.8%54.9%0.92%0.61%1.7%77.0%9.4%
Armed Forces Bank N.A.$1.42B1.7%65.6%1.21%0.42%1.6%60.3%12.9%
Bennington State Bank$1.42B2.4%43.0%0.29%0.01%2.0%73.6%9.2%
Central National Bank$1.39B1.3%63.9%0.01%0.15%1.8%66.7%10.1%
Corefirst Bank & Trust$1.26B1.6%64.3%0.21%0.09%1.0%83.9%6.1%
NBKC Bank$1.24B2.2%77.2%1.45%0.04%1.3%91.0%16.8%
First National Bank of Hutchinson$1.21B1.4%60.4%0.33%0.05%1.4%85.2%10.6%
Bank of Labor$1.11B0.9%69.3%3.15%-0.01%1.4%35.1%4.6%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Community NationalCohort median
20212026Change20212026Change
Loans$1.05B$1.70B+61%$596M$909M+52%
Deposits$1.54B$2.21B+43%$978M$1.22B+25%
NPA / loans1.29%0.80%-0.48 pts0.75%0.86%+0.11 pts
Efficiency68.9%63.8%-5.1 pts65.4%63.1%-2.3 pts
ROA0.97%1.14%+0.17 pts1.36%1.48%+0.12 pts

This read was prepared for Community National Bank & Trust's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Community National Bank & Trust is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort KS banks $1B to $3B
Institution www.mybankcnb.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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