B
Community National Bank
DerbyVT
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Community National Bank
Derby, VT
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Rating B
Asset Quality Index 6.30
Capitalization Index 8.90
Liquidity Index 2.70
Profitability Index 6.90
Stability Index 9.00
Company Info Community National Bank
Derby, VT
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FDIC Number 6271
Phone Number (802) 334-7915
Website www.communitynationalbank.com
Asset Quality Community National Bank
Derby, VT
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1-Year Asset Growth 4.16%
5-Year Asset Growth 13.86%
5-Year Charge-Offs to Average Loans 0.05%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 0.45%
Non-Performing Loans to Capital 4.27%
Non-Performing Loans to Loans 0.84%
Balance Sheet Community National Bank
Derby, VT
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Total Assets 1.23B
Total Deposits 1.01B
Capital and Reserves Community National Bank
Derby, VT
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Capital 123.40M
Leverage Ratio 10.28
Loan Loss Reserves to Loans 1.12%
Risk-Based Capital Ratio 15.34
Liquidity Community National Bank
Derby, VT
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Hot Money Ratio 14.28%
Liquidity Ratio 14.40%
Profitability Community National Bank
Derby, VT
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5-Year Return on Average Assets 1.37%
Net Income 13.18M
Net Interest Spread 3.63%
Operating Profit to Average Assets 1.74%
Overhead Efficiency Ratio 54.12%
Return on Assets 1.46%
Return on Equity 15.06%