What are the current interest rates at Community National Bank?

Current rates for Community National Bank include: 12-Month CD: 3.15%, 18-Month CD: 2.65%, 24-Month CD: 2.40%, 36-Month CD: 2.15%, Savings: 5.09%, MMA: 2.53%

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Community National Bank Rates & Review October 2026

Q: How many branches does Community National Bank operate?

Community National Bank currently maintains approximately 12 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Are credit management and repair services offered?

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

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 14, 2026

Community National Bank's top rates as of October 14, 2026 are 3.19% APY on its 90 Days 90 Day CD, 5.09% APY on savings, and 2.53% APY on money market accounts, according to rates verified by MonitorBankRates. Other Community National Bank CD rates include 90 Days 90 Day CD at 3.19%, 180 Days 180 Day CD at 3.17%, and 180 Days 180 Day CD at 3.17%. MonitorBankRates evaluates the financial stability of Community National Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 9.02%. Rates last updated and verified on 10/14/2026.

Community National Bank 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? Share your experience about Community National Bank by leaving a review below, or read customer reviews before you decide to use Community National Bank.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

9.02%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Community National Bank

500 W Illinois Ave
Midland, TX 79701

https://www.cnbtx.bank

Customer Reviews

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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 CD Rates

Product	Rate	APY	Term
90 Day CD	3.15%	3.19%	90 Days
Min Balance $1,000 Details Balance: $1,000.00 - $99,999.99 Last Updated 10/14/2026 Rate History No change since Oct 2, 2026 · 3.19% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.02%
90 Day CD	3.15%	3.19%	90 Days
Min Balance $100,000 Details Balance: $100,000.00 and over Last Updated 10/14/2026 Rate History No change since Oct 2, 2026 · 3.19% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.02%
180 Day CD	3.15%	3.17%	180 Days
Min Balance $1,000 Details Balance: $1,000.00 - $99,999.99 Last Updated 10/14/2026 Rate History No change since Oct 2, 2026 · 3.17% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.02%
180 Day CD	3.15%	3.17%	180 Days
Min Balance $100,000 Details Balance: $100,000.00 and over Last Updated 10/14/2026 Rate History No change since Oct 2, 2026 · 3.17% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.02%
12 Month CD	3.15%	3.15%	12 Month
Min Balance $1,000 Details Balance: $1,000.00 - $99,999.99 Last Updated 10/14/2026 Rate History 1 change since Sep 29, 2026 · 3.00% → 3.15% ▲ 0.15 pts · high 3.15% / low 3.00% Oct 2, 20263.15%▲ from 3.00% Sep 29, 20263.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.02%
12 Month CD	3.15%	3.15%	12 Month
Min Balance $100,000 Details Balance: $100,000.00 and over Last Updated 10/14/2026 Rate History 1 change since Sep 29, 2026 · 3.00% → 3.15% ▲ 0.15 pts · high 3.15% / low 3.00% Oct 2, 20263.15%▲ from 3.00% Sep 29, 20263.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.02%
12 Month IRA CD	3.15%	3.15%	12 Month
Min Balance $100 Details Balance: $100.00 - $99,999.99 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.15% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.02%
12 Month IRA CD	3.15%	3.15%	12 Month
Min Balance $100,000 Details Balance: $100,000.00 and over Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.15% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.02%
60 Day CD	2.90%	2.94%	60 Days
Min Balance $1,000 Details Balance: $1,000.00 - $99,999.99 Last Updated 10/14/2026 Rate History No change since Oct 2, 2026 · 2.94% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.02%
60 Day CD	2.90%	2.94%	60 Days
Min Balance $100,000 Details Balance: $100,000.00 and over Last Updated 10/14/2026 Rate History No change since Oct 2, 2026 · 2.94% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.02%
30 Day CD	2.65%	2.68%	30 Days
Min Balance $1,000 Details Balance: $1,000.00 - $99,999.99 Last Updated 10/14/2026 Rate History No change since Oct 2, 2026 · 2.68% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.02%
30 Day CD	2.65%	2.68%	30 Days
Min Balance $100,000 Details Balance: $100,000.00 and over Last Updated 10/14/2026 Rate History No change since Oct 2, 2026 · 2.68% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.02%
18 Month CD	2.65%	2.65%	18 Month
Min Balance $1,000 Details Balance: $1,000.00 - $99,999.99 Last Updated 10/14/2026 Rate History 1 change since Sep 29, 2026 · 2.50% → 2.65% ▲ 0.15 pts · high 2.65% / low 2.50% Oct 2, 20262.65%▲ from 2.50% Sep 29, 20262.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.02%
18 Month CD	2.65%	2.65%	18 Month
Min Balance $100,000 Details Balance: $100,000.00 and over Last Updated 10/14/2026 Rate History 1 change since Sep 29, 2026 · 2.50% → 2.65% ▲ 0.15 pts · high 2.65% / low 2.50% Oct 2, 20262.65%▲ from 2.50% Sep 29, 20262.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.02%
24 Month CD	2.40%	2.40%	24 Month
Min Balance $1,000 Details Balance: $1,000.00 - $99,999.99 Last Updated 10/14/2026 Rate History 1 change since Sep 29, 2026 · 2.25% → 2.40% ▲ 0.15 pts · high 2.40% / low 2.25% Oct 2, 20262.40%▲ from 2.25% Sep 29, 20262.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.02%
24 Month CD	2.40%	2.40%	24 Month
Min Balance $100,000 Details Balance: $100,000.00 and over Last Updated 10/14/2026 Rate History 1 change since Sep 29, 2026 · 2.25% → 2.40% ▲ 0.15 pts · high 2.40% / low 2.25% Oct 2, 20262.40%▲ from 2.25% Sep 29, 20262.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.02%
24 Month IRA CD	2.40%	2.40%	24 Month
Min Balance $100 Details Balance: $100.00 - $99,999.99 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 2.40% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.02%
24 Month IRA CD	2.40%	2.40%	24 Month
Min Balance $100,000 Details Balance: $100,000.00 and over Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 2.40% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.02%
36 Month CD	2.15%	2.15%	36 Month
Min Balance $1,000 Details Balance: $1,000.00 - $99,999.99 Last Updated 10/14/2026 Rate History 1 change since Sep 29, 2026 · 2.00% → 2.15% ▲ 0.15 pts · high 2.15% / low 2.00% Oct 2, 20262.15%▲ from 2.00% Sep 29, 20262.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.02%
36 Month CD	2.15%	2.15%	36 Month
Min Balance $100,000 Details Balance: $100,000.00 and over Last Updated 10/14/2026 Rate History 1 change since Sep 29, 2026 · 2.00% → 2.15% ▲ 0.15 pts · high 2.15% / low 2.00% Oct 2, 20262.15%▲ from 2.00% Sep 29, 20262.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.02%
36 Month IRA CD	2.15%	2.15%	36 Month
Min Balance $100 Details Balance: $100.00 - $99,999.99 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 2.15% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.02%
36 Month IRA CD	2.15%	2.15%	36 Month
Min Balance $100,000 Details Balance: $100,000.00 and over Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 2.15% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.02%

Community National Bank Savings Rates

Product	Rate	APY
BrightStart Savings	5.00%	5.09%
Min Deposit $25 Min Balance $0 Details Balance: .01 - 24,999.99 Last Updated 10/14/2026 Rate History No change since Sep 29, 2026 · 5.09% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.02%
BrightStart Savings	0.90%	0.90%
Min Deposit $25 Min Balance $25,000 Details Balance: 25,000.01 & over Last Updated 10/14/2026 Rate History 1 change since Sep 29, 2026 · 0.75% → 0.90% ▲ 0.15 pts · high 0.90% / low 0.75% Oct 2, 20260.90%▲ from 0.75% Sep 29, 20260.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.02%
Health Savings Account	0.90%	0.90%
Min Deposit $100 Last Updated 10/14/2026 Rate History 1 change since Sep 29, 2026 · 0.75% → 0.90% ▲ 0.15 pts · high 0.90% / low 0.75% Oct 2, 20260.90%▲ from 0.75% Sep 29, 20260.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.02%
Savings Account	0.90%	0.90%
Min Deposit $100 Last Updated 10/14/2026 Rate History 1 change since Sep 29, 2026 · 0.75% → 0.90% ▲ 0.15 pts · high 0.90% / low 0.75% Oct 14, 20260.90%▲ from 0.75% Sep 29, 20260.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.02%

Community National Bank Money Market Rates

Product	Rate	APY
Money Market	2.50%	2.53%
Min Deposit $2,500 Min Balance $5,000,000 Details Balance: 5,000,000 & over Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 2.53% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.02%
Money Market	1.75%	1.76%
Min Deposit $2,500 Min Balance $50,000 Details Balance: 50,000 - 999,999.99 Last Updated 10/14/2026 Rate History 1 change since Sep 29, 2026 · 1.61% → 1.76% ▲ 0.15 pts · high 1.76% / low 1.61% Oct 7, 20261.76%▲ from 1.61% Sep 29, 20261.61%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.02%
Money Market	1.75%	1.76%
Min Deposit $2,500 Min Balance $1,000,000 Details Balance: 1,000,000 - 4,999,999 Last Updated 10/14/2026 Rate History 1 change since Sep 29, 2026 · 1.61% → 1.76% ▲ 0.15 pts · high 1.76% / low 1.61% Oct 7, 20261.76%▲ from 1.61% Sep 29, 20261.61%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.02%
Money Market	1.50%	1.51%
Min Deposit $2,500 Min Balance $25,000 Details Balance: 25,000 - 49,999.99 Last Updated 10/14/2026 Rate History 1 change since Sep 29, 2026 · 1.36% → 1.51% ▲ 0.15 pts · high 1.51% / low 1.36% Oct 7, 20261.51%▲ from 1.36% Sep 29, 20261.36%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.02%
Money Market	1.25%	1.26%
Min Deposit $2,500 Min Balance $0 Details Balance: .01 - 2,499.99 Last Updated 10/14/2026 Rate History 1 change since Sep 29, 2026 · 1.11% → 1.26% ▲ 0.15 pts · high 1.26% / low 1.11% Oct 7, 20261.26%▲ from 1.11% Sep 29, 20261.11%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.02%

Community National Bank Other Rates

Product	Rate	Points	APY/APR	Term	View More
NOW Account	0.55%	-	0.55%
Min Deposit $300 Last Updated 10/14/2026 Rate History 1 change since Sep 29, 2026 · 0.40% → 0.55% ▲ 0.15 pts · high 0.55% / low 0.40% Oct 2, 20260.55%▲ from 0.40% Sep 29, 20260.40%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.02%

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.

Financial Health History

Community National Bank’s Texas Ratio rose from 0.82% in Q3 2023 to 9.02% 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 5.0 to 5.0 and its Health Grade from A+ to A. 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.

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)

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$2.5B	9.02%	5.0	A
March 31, 2026	$2.6B	4.12%	5.0	A+
December 31, 2025	$2.6B	6.00%	5.0	A
September 30, 2025	$2.3B	5.62%	5.0	A+
June 30, 2025	$2.4B	6.21%	5.0	A
March 31, 2025	$2.5B	3.19%	5.0	A+
December 31, 2024	$2.4B	2.30%	5.0	A+
September 30, 2024	$2.2B	2.72%	5.0	A+
June 30, 2024	$2.2B	2.80%	5.0	A+
March 31, 2024	$2.2B	0.24%	5.0	A+
December 31, 2023	$2.1B	0.73%	5.0	A+
September 30, 2023	$1.9B	0.82%	5.0	A+

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 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 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's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Community National Bank

Bank Holding Company MIDLAND BANCSHARES INC

Address 500 W Illinois Ave, Midland, TX 79701 · Midland

Website https://www.cnbtx.bank

FDIC Certificate # 24897

Established 19840103

FDIC Insurance Date 19840103

Domestic Offices 12

Total Branches 12

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 95/100

5.0

Exceptional Out of 5.0 Stars

9.02%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 2.1033%

Return on Equity (ROE) 16.9100%

Non-Performing Loans (NPL) 1.04%

Total Assets $2,541,691,000

Total Deposits $2,182,649,000

Equity Capital $328,289,000

Net Income $27,021,000

Headquarters Midland

Total Branches and Offices 12

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Community National Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 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; when a new quarter is published, come back to this page for the updated code.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Community National Bank

How many branches does Community National Bank operate?

Community National Bank currently maintains approximately 12 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 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 provides members with tools to manage their accounts and build a solid financial history.

Does Community National Bank offer online and mobile banking?

Most modern institutions like Community National Bank 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.cnbtx.bank.