MonitorBankRates
☰
  1. Home›
  2. Banks›
  3. Community National Bank & Trust
iAdvertiser Disclosure
Advertiser Disclosure Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.

Community National Bank & Trust Rates & Review November 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated and Verified: November 5, 2026

Community National Bank & Trust's 9-Month CD Special rates are at 3.85%, 13-Month CD Special rates are at 3.09%, 27-Month CD Special rates are at 2.92%. Community National Bank & Trust's savings rates are at 1.91%. Community National Bank & Trust's checking rates are as high as 1.41%. Community National Bank & Trust's top CD rate of 3.85% APY on a 9 month CD is 32% higher than the MonitorBankRates national average of 2.92% APY for that term, and it has an A health rating. MonitorBankRates evaluates the financial stability of Community National Bank & Trust with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.38%. Rates last updated and verified on 11/05/2026.

Community National Bank & Trust money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Community National Bank & Trust? Share your experience about Community National Bank & Trust by leaving a review below, or read customer reviews before you decide to use Community National Bank & Trust.

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy 2026 Use This Badge on Your Bank Website
Overall Health & Safety Grade ?
A
Excellent Health Score: 97/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
6.38%
Excellent Higher than avg
Health Trend ?
Steady 12 quarters
Full history ›
Community National Bank & Trust
14 N Lincoln Ave
Chanute, KS 66720
https://www.mybankcnb.com
MemberFDIC
Customer Reviews
Be the first to review
Write a Review
Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Community National Bank & Trust CD Rates

Product Rate APY Term Min. Deposit View More
9-Month CD Special 3.80% 3.85% 9 months $1,000
Min Deposit $1,000
Details Substantial penalty may be charged for early withdrawal; interest compounded quarterly; fees imposed could reduce earnings
Last Updated 11/05/2026
Rate History
1 change since Sep 8, 2026 · 3.51% → 3.85% ▲ 0.34 pts · high 3.85% / low 3.51%
3.01%3.68%4.35%Sep 8, 2026: 3.51% APYOct 26, 2026: 3.85% APYSep 8, 2026Nov 9, 2026
  • Oct 26, 20263.85%▲ from 3.51%
  • Sep 8, 20263.51%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.38%
13-Month CD Special 3.05% 3.09% 13 months $1,000
Min Deposit $1,000
Details Substantial penalty may be charged for early withdrawal; interest compounded quarterly; fees imposed could reduce earnings
Last Updated 11/05/2026
Rate History
No change since Sep 8, 2026 · 3.09% APY · checked 14 times
2.59%3.09%3.59%Sep 8, 2026: 3.09% APYSep 8, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.38%
27-Month CD Special 2.89% 2.92% 27 months $1,000
Min Deposit $1,000
Details Substantial penalty may be charged for early withdrawal; interest compounded quarterly; fees imposed could reduce earnings
Last Updated 11/05/2026
Rate History
No change since Sep 8, 2026 · 2.92% APY · checked 14 times
2.42%2.92%3.42%Sep 8, 2026: 2.92% APYSep 8, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.38%

Community National Bank & Trust Savings Rates

Product Rate APY View More
Platinum Savings Account 1.90% 1.91%
Min Deposit $5,000
Min Balance $5,000
Details Balance: $5,000.00 to $24,999.99; Variable rate account, rate may change after account is opened
Last Updated 11/05/2026
Rate History
No change since Sep 8, 2026 · 1.91% APY · checked 14 times
1.41%1.91%2.41%Sep 8, 2026: 1.91% APYSep 8, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.38%
Platinum Savings Account 1.90% 1.91%
Min Deposit $5,000
Min Balance $25,000
Details Balance: $25,000 to $49,999.99; Variable rate account, rate may change after account is opened
Last Updated 11/05/2026
Rate History
No change since Sep 18, 2026 · 1.91% APY · checked 13 times
1.41%1.91%2.41%Sep 18, 2026: 1.91% APYSep 18, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.38%
Platinum Savings Account 1.90% 1.91%
Min Deposit $5,000
Min Balance $50,000
Details Balance: $50,000 to $99,999.99; Variable rate account, rate may change after account is opened
Last Updated 11/05/2026
Rate History
No change since Sep 18, 2026 · 1.91% APY · checked 13 times
1.41%1.91%2.41%Sep 18, 2026: 1.91% APYSep 18, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.38%
Platinum Savings Account 1.90% 1.91%
Min Deposit $5,000
Min Balance $99,999
Details Balance: Balance over $99,999.00; Variable rate account, rate may change after account is opened
Last Updated 11/05/2026
Rate History
No change since Oct 14, 2026 · 1.91% APY · checked 7 times
1.41%1.91%2.41%Oct 14, 2026: 1.91% APYOct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.38%
Platinum Savings Account 0.15% 0.15%
Min Deposit $5,000
Details Balance: Below $5,000; Variable rate account, rate may change after account is opened
Last Updated 11/05/2026
Rate History
No change since Oct 20, 2026 · 0.15% APY · checked 6 times
0.00%0.33%0.65%Oct 20, 2026: 0.15% APYOct 20, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.38%

Community National Bank & Trust Checking Rates

Product Rate APY View More
ePower Checking 1.40% 1.41%
Min Deposit $100
Min Balance $0
Details Qualifications Required; Qualifying balance up to $25,000.00; Available to Personal Accounts only; No monthly service charge; ATM refunds up to $25 per cycle if requirements are met
Last Updated 11/05/2026
Rate History
No change since Sep 18, 2026 · 1.41% APY · checked 13 times
0.91%1.41%1.91%Sep 18, 2026: 1.41% APYSep 18, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 6.38%
Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.
Powered by MonitorBankRates

Financial Health History

Community National Bank & Trust’s Texas Ratio stayed near 6.21% in Q3 2023 to 6.38% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 4.7 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 4.1% 2.0★ 8.3% 3.0★ 12.4% 4.0★ 16.5% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 6.21% A Q3 2023 A+ Q4 2023 A+ Q1 2024 A Q2 2024 A+ Q3 2024 A Q4 2024 A Q1 2025 A Q2 2025 A Q3 2025 A Q4 2025 A Q1 2026 6.38% A Q2 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
Powered by MonitorBankRates

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$2.5B6.38%5.0A
March 31, 2026$2.5B6.81%5.0A
December 31, 2025$2.5B6.03%5.0A
September 30, 2025$2.4B6.55%5.0A
June 30, 2025$2.3B7.76%5.0A
March 31, 2025$2.3B7.30%5.0A
December 31, 2024$2.2B7.81%5.0A
September 30, 2024$2.2B5.54%5.0A+
June 30, 2024$2.2B6.16%5.0A
March 31, 2024$2.2B5.97%5.0A+
December 31, 2023$2.1B5.67%5.0A+
September 30, 2023$2.1B6.21%4.7A
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Community National Bank & Trust is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Community National Bank & Trust rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Community National Bank & Trust's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Community National Bank & Trust
Website https://www.mybankcnb.com
Address 14 N Lincoln Ave, Chanute, KS 66720  ·  Neosho
Bank Holding Company COMMUNITY BCORP INC
FDIC Certificate # 27046
Regulator OCC
Established September 4, 1987
FDIC Insurance Date September 4, 1987
Domestic Offices 44
Total Branches 44
FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (97/100)
Texas Ratio
6.38%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
1.1693%
Return on Equity (ROE)
13.3900%
Non-Performing Loans Ratio (NPL)
0.54%
Total Assets
$2,532,014,000
Total Deposits
$2,210,546,000
Equity Capital
$224,941,000
Net Income
$14,614,000
Headquarters
Chanute
Total Branches and Offices
44
Source: FDIC — Last Updated June 30, 2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

Community National Bank & Trust earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

<a href="https://www.monitorbankrates.com/banks/community-nationa-bank-and-trust-27046">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Community National Bank & Trust yet. Feel free to create one below.
Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Community National Bank & Trust
Your Name:
Your Rating:

Frequently Asked Questions About Community National Bank & Trust

Does Community National Bank & Trust offer CDs?

Yes. Community National Bank & Trust current CD rates include its 9-Month CD Special at 3.85% APY, its 13-Month CD Special at 3.09% APY and its 27-Month CD Special at 2.92% APY, verified by MonitorBankRates as of November 5, 2026.

Are CDs from Community National Bank & Trust FDIC insured?

Yes. Community National Bank & Trust is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Community National Bank & Trust?

The highest Community National Bank & Trust CD rate is its 9-Month CD Special at 3.85% APY, verified by MonitorBankRates as of November 5, 2026.

What CD terms does Community National Bank & Trust offer?

Community National Bank & Trust CD rates are 3.85% APY for a 9 month CD, 3.09% APY for a 12 month CD, 3.09% APY for a 13 month CD and 2.92% APY for a 27 month CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Community National Bank & Trust for its full lineup.

What is the highest savings rate at Community National Bank & Trust?

The highest Community National Bank & Trust savings rate is its Platinum Savings Account at 1.91% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest checking rate at Community National Bank & Trust?

The highest Community National Bank & Trust checking rate is its ePower Checking at 1.41% APY, verified by MonitorBankRates as of November 5, 2026.

How many branches does Community National Bank & Trust operate?

Community National Bank & Trust currently maintains approximately 44 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Community National Bank & Trust does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Community National Bank & Trust provides members with tools to manage their accounts and build a solid financial history.

Does Community National Bank & Trust offer online and mobile banking?

Most modern institutions like Community National Bank & Trust provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.mybankcnb.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Community National Bank & Trust rates compare?

Community National Bank & Trust's top CD rate of 3.85% APY on a 9 month CD is 32% higher than the MonitorBankRates national average of 2.92% APY for that term, and it has an A health rating. Community National Bank & Trust's top rates are its 9-Months 9-Month CD Special at 3.85% APY, its Platinum Savings Account at 1.91% APY and its ePower Checking at 1.41% APY, verified by MonitorBankRates on November 5, 2026.

Current Community National Bank & Trust Rates

  • 12-Month CD3.09%
  • Savings1.91%
Retrieved from our database of financial products. Rates subject to change.

Compare to Other Banks

Farmers State Bank Lincolnton, GA BOK Financial Queensborough National Bank Generations Community Bank Peru Federal Savings Bank Pinnacle Bank Lincoln, NE River City Bank Nationwide Trust Company, FSB Oregon Pacific Bank OPB Farmers B&T Co. Princeton, KY Greenfield Banking Company Union State Bank Uniontown, KS The Citizens Bank of Weston Petefish, Skiles & Co. Bank Forest Park National Bank and Trust Company First National Bank of Arenzville First Bank Chicago Bank of Commerce and Trust Company North Country Savings Bank Torrington Savings Bank Oconee Federal S&L