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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southwest · Texas, the state note

Community National Bank

Midland, Texas · $2.54B in assets · beside the 11 other Texas banks between $1B and $3B

The filing

1.66%
NPA / loans
10th of 12
-1.1%
Loans, year over year
10th of 12, largest first
2.12%
ROA
3rd of 12

Community National Bank is the sixth largest of the 12 Texas banks nearest its size between $1B and $3B, with $2.54B in assets at 30 June 2026. Loans are 72.7% of deposits, 4th of 12 against a median of 78.1%, and equity is 12.9% of assets, 5th of 12. Loans grew -1.1% in the year, 10th of 12, and deposits grew 4.9%; the cohort's median loan growth is +5.7%.

Noncurrent loans are 1.66% of the book, 10th of 12 against a median of 0.41%; 0.12% is 30 to 89 days past due, and the allowance covers them 1.0 times. Commercial real estate is 35.8% of loans, 4th of 12 against a median of 40.7%, and 164% of capital, below the 300% screen, with construction at 69% against the 100% screen.

Return on assets is 2.12%, 3rd of 12 against a median of 1.67%, on an efficiency ratio of 47.6%, 4th of 12. Five years ago it was 1.03%. The question is which of these lines moves first over the next four quarters, and against which peer.

Nonperforming loans, share of loansTX banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 0.41% HB Horizon Bank SSB 0.00% FI Falcon International Bank 0.00% EB Extraco Banks National Association 0.04% PB Pinnacle Bank 0.13% TF Texas First Bank 0.17% FU First United Bank 0.41% T Texasbank 0.41% AN American National Bank & Trust 0.88% WF Wells Fargo Bank S Central N.A. 1.24% CN Community National Bank 1.66% SB State Bank of Texas 2.16% GB Golden Bank National Association 2.16%
Loans, year over yearTX banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +5.7% T Texasbank +9.2% GB Golden Bank National Association +9.0% AN American National Bank & Trust +8.0% FI Falcon International Bank +6.5% TF Texas First Bank +6.3% HB Horizon Bank SSB +6.1% PB Pinnacle Bank +5.4% FU First United Bank +2.8% EB Extraco Banks National Association +1.1% CN Community National Bank -1.1% SB State Bank of Texas -7.0% WF Wells Fargo Bank S Central N.A. -14.6%

SBA 7(a), FY2008 to FY2026

Community National Bank is the 334th largest 7(a) lender into Texas of 706, with $5M across 11 loans, 0.0% of everything approved in the state (Live Oak Banking Company leads with $2.53B). 4 of its 4 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Texas, 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
Ector, TX$3M20th of 711.1%quiet FY2020
Midland, TX$2M40th of 900.6%quiet FY2013
Crane, TX$567K3rd of 616.8%quiet FY2009
Andrews, TX$306K12th of 151.8%quiet FY2012
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
Manufacturing2$1M28.0%0.00%1232nd of 2,246
Accommodation & food services2$970K18.2%0.00%1615th of 2,596
Retail trade2$950K17.8%0.00%1544th of 2,589
Arts, entertainment & recreation2$862K16.2%0.01%865th of 1,656
Transportation & warehousing1$567K10.6%0.00%942nd of 1,563
7(a) lenders into Texas, share of approvals since FY2008706 lenders on record; the ten largest and Community National Bank
LO Live Oak Banking Company 5.8% $2.53B · 1,820 loans TH The Huntington National Bank 5.2% $2.28B · 3,585 loans WF Wells Fargo Bank National Associa… 4.6% $2.02B · 7,244 loans PB PNC Bank, National Association 3.9% $1.70B · 8,154 loans JC JPMorgan Chase Bank, National Ass… 3.4% $1.49B · 7,339 loans WB Wallis Bank 3.2% $1.41B · 1,134 loans CB Celtic Bank Corporation 2.0% $879M · 1,359 loans Bo Bank of Hope 1.7% $741M · 1,359 loans RL Readycap Lending, LLC 1.7% $728M · 1,216 loans EB Enterprise Bank & Trust 1.6% $717M · 569 loans CN Community National Bank 0.0% $5M · 11 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 National BankRankCohort median
Total CRE against capital, the 300% screen164%3rd of 12251%
Construction against capital, the 100% screen69%7th of 1268%
Construction and land development, share of loans15.1%8th of 1213.9%
Non-owner-occupied nonfarm nonresidential, share of loans19.6%4th of 1223.8%
Total CRE, the guidance definition, share of loans35.8%4th of 1240.7%
CRE growth over 36 months, the third prong+19.4%5th of 12+22.9%

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
Pinnacle Bank$2.72B1.4%52.3%0.13%0.01%1.2%81.6%13.2%
Wells Fargo Bank S Central N.A.$2.59B1.7%14.5%1.24%0.01%0.1%102.3%30.1%
State Bank of Texas$2.59B4.2%21.4%2.16%0.00%1.0%97.8%16.4%
Extraco Banks National Association$2.57B0.8%75.7%0.04%0.04%2.4%64.4%8.4%
Horizon Bank SSB$2.55B1.7%52.6%0.00%0.02%1.7%74.0%8.0%
Community National Bank$2.54B2.1%47.6%1.66%0.01%1.7%72.7%12.9%
American National Bank & Trust$2.54B1.0%68.3%0.88%0.00%1.1%85.7%10.2%
Texasbank$2.48B2.3%52.8%0.41%0.11%1.2%106.5%12.6%
First United Bank$2.41B2.0%53.2%0.41%0.10%1.3%70.8%10.5%
Texas First Bank$2.35B1.7%58.6%0.17%0.01%1.3%65.1%9.7%
Golden Bank National Association$2.28B1.6%41.9%2.16%-0.05%1.3%101.2%13.6%
Falcon International Bank$2.25B1.5%55.0%0.00%0.02%1.1%74.5%12.2%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Community National BankCohort median
20212026Change20212026Change
Loans$1.01B$1.59B+57%$993M$1.67B+68%
Deposits$1.30B$2.18B+68%$1.45B$2.11B+46%
NPA / loans1.28%1.66%+0.38 pts0.26%0.41%+0.15 pts
Efficiency64.6%47.6%-17.0 pts56.3%52.7%-3.7 pts
ROA1.03%2.12%+1.08 pts1.39%1.67%+0.27 pts

This read was prepared for Community National Bank'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 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 TX banks $1B to $3B
Institution www.cnbtx.bank

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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