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Community National Bank Seneca, KS Rates & Review November 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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  • Location-Based Rate Tables
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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.
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| 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 7, 2026

Community National Bank Seneca, KS's 13-Month CD rates are at 4.58%, 12-Month CD Special (Online Only) rates are at 4.27%, 12-Month CD - CD Special rates are at 4.27%. Community National Bank Seneca, KS's top CD rate of 4.58% APY on a 13 month CD is 52% higher than the MonitorBankRates national average of 3.02% APY for that term, and it has an A health rating. MonitorBankRates evaluates the financial stability of Community National Bank Seneca, KS with a 4.9 Star Rating, an A Overall Health Grade, and a Texas Ratio of 9.62%. Rates last updated and verified on 11/07/2026.

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

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy 2026 Use This Badge on Your Bank Website
Overall Health & Safety Grade ?
A
Excellent Health Score: 94/100
MonitorBankRates Rating ?
4.9
Exceptional Out of 5.0 Stars
Texas Ratio ?
9.62%
Excellent Higher than avg
Health Trend ?
Improving 12 quarters
Full history ›
Community National Bank
210 Main St
Seneca, KS 66538
https://www.communitynationalbank.net
MemberFDIC
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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 Seneca, KS CD Rates

Product Rate APY Term Min. Deposit View More
13-Month CD - 4.58% 13 months $1,000
Min Deposit $1,000
Details CD Special; $1000 minimum deposit required to open and earn the stated APY; APYs accurate as of October 27, 2026; substantial penalty for early withdrawal
Last Updated 11/07/2026
Rate History
No change since Nov 7, 2026 · 4.58% APY
4.08%4.58%5.08%Nov 7, 2026: 4.58% APYNov 7, 2026Nov 9, 2026
Institution Ratings
4.9
Star Rating
A
Health Grade
◈ Texas Ratio: 9.62%
12-Month CD Special (Online Only) - 4.27% 12 months $1,000
Min Deposit $1,000
Details Online Only; minimum deposit of $1,000.00 required to obtain APY; maximum amount to open CD is $90,000; consumer customers only, no institutional or public funds; not available for IRAs; APY stated accurate as of 10/2/2026; substantial penalty for early withdrawals
Last Updated 11/07/2026
Rate History
No change since Nov 7, 2026 · 4.27% APY
3.77%4.27%4.77%Nov 7, 2026: 4.27% APYNov 7, 2026Nov 9, 2026
Institution Ratings
4.9
Star Rating
A
Health Grade
◈ Texas Ratio: 9.62%
12-Month CD - CD Special - 4.27% 12 months $1,000
Min Deposit $1,000
Details Online Only; Minimum deposit of $1,000.00 required to obtain APY; Maximum amount to open CD is $90,000; Only available to Consumer Customers; No Institutional or Public Funds eligible; Not available for IRAs; Substantial penalty for early withdrawals; APY stated accurate as of 10/2/2026
Last Updated 11/07/2026
Rate History
No change since Oct 12, 2026 · 4.27% APY · checked 6 times
3.77%4.27%4.77%Oct 12, 2026: 4.27% APYOct 12, 2026Nov 9, 2026
Institution Ratings
4.9
Star Rating
A
Health Grade
◈ Texas Ratio: 9.62%
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.
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Financial Health History

Community National Bank Seneca, KS’s Texas Ratio fell from 44.27% in Q3 2023 to 9.62% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 1.0 to 4.9 and its Health Grade from F 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.

0% 1.0★ 15% 2.0★ 30% 3.0★ 45% 4.0★ 60% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 44.27% F Q3 2023 F Q4 2023 F Q1 2024 D Q2 2024 B- Q3 2024 C- Q4 2024 C+ Q1 2025 B- Q2 2025 B+ Q3 2025 B+ Q4 2025 B+ Q1 2026 9.62% 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$853M9.62%4.9A
March 31, 2026$904M8.79%4.2B+
December 31, 2025$891M8.45%4.4B+
September 30, 2025$855M8.84%4.4B+
June 30, 2025$854M12.60%3.8B-
March 31, 2025$856M13.62%3.4C+
December 31, 2024$861M15.51%2.9C-
September 30, 2024$863M13.16%4.0B-
June 30, 2024$868M18.48%2.2D
March 31, 2024$853M25.81%1.8F
December 31, 2023$848M31.66%1.6F
September 30, 2023$815M44.27%1.0F
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 Seneca, KS 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 Seneca, KS 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 Seneca, KS's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Community National Bank Seneca, KS
Website https://www.communitynationalbank.net
Address 210 Main St, Seneca, KS 66538  ·  Nemaha
Bank Holding Company COMMUNITY BANCSHARES INC
FDIC Certificate # 25665
Regulator OCC
Established October 4, 1984
FDIC Insurance Date October 4, 1984
Domestic Offices 6
Total Branches 6
FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
4.9 / 5.0 ★
Overall Health & Safety Grade
A (94/100)
Texas Ratio
9.62%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
1.6452%
Return on Equity (ROE)
25.5000%
Non-Performing Loans Ratio (NPL)
0.66%
Total Assets
$853,137,000
Total Deposits
$772,643,000
Equity Capital
$58,581,000
Net Income
$7,260,000
Headquarters
Seneca
Total Branches and Offices
6
Source: FDIC — Last Updated June 30, 2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

Community National Bank Seneca, KS 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-national-bank-rates-review-25665">
  <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

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Frequently Asked Questions About Community National Bank Seneca, KS

Does Community National Bank Seneca, KS offer CDs?

Yes. Community National Bank Seneca, KS current CD rates include its 13-Month CD at 4.58% APY, its 12-Month CD Special (Online Only) at 4.27% APY and its 12-Month CD - CD Special at 4.27% APY, verified by MonitorBankRates as of November 7, 2026.

Are CDs from Community National Bank Seneca, KS FDIC insured?

Yes. Community National Bank Seneca, KS 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 Seneca, KS?

The highest Community National Bank Seneca, KS CD rate is its 13-Month CD at 4.58% APY, verified by MonitorBankRates as of November 7, 2026.

What CD terms does Community National Bank Seneca, KS offer?

Community National Bank Seneca, KS CD rates are 4.27% APY for a 12 month CD and 4.58% APY for a 13 month CD, verified by MonitorBankRates as of November 7, 2026. The institution may offer other terms or specials that are not listed here, so check with Community National Bank Seneca, KS for its full lineup.

How many branches does Community National Bank Seneca, KS operate?

Community National Bank Seneca, KS currently maintains approximately 6 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 Seneca, KS 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 Seneca, KS provides members with tools to manage their accounts and build a solid financial history.

Does Community National Bank Seneca, KS offer online and mobile banking?

Most modern institutions like Community National Bank Seneca, KS 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.communitynationalbank.net.

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 Seneca, KS rates compare?

Community National Bank Seneca, KS's top CD rate of 4.58% APY on a 13 month CD is 52% higher than the MonitorBankRates national average of 3.02% APY for that term, and it has an A health rating. Community National Bank Seneca, KS's top rate is its 13-Months 13-Month CD at 4.58% APY, verified by MonitorBankRates on November 7, 2026.

Current Community National Bank Seneca, KS Rates

  • 12-Month CD4.27%
Retrieved from our database of financial products. Rates subject to change.

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