What are the current interest rates at Community National Bank Seneca, KS?

Current rates for Community National Bank Seneca, KS include: 12-Month CD: 4.27%

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Community National Bank Seneca, KS

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Community National Bank Seneca, KS Rates & Review October 2026

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 12, 2026

Community National Bank Seneca, KS's top rate as of October 12, 2026 is 4.27% APY on its 12-Months 12-Month CD Special, according to rates verified by MonitorBankRates. Other Community National Bank Seneca, KS CD rates include 12-Months CD Special: Online Only - 12-Month Certificate of Deposit at 4.27%. 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 10/12/2026.

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.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

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

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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
12 Month CD Special	-	4.27%	12 months
Min Deposit $1,000 Details Online Only; Maximum amount to open CD is $90,000; Only available to Consumer Customers; No Institutional or Public Funds; Not available for IRAs Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.27% APY Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 9.62%
CD Special: Online Only - 12 Month Certificate of Deposit	-	4.27%	12 months
Min Deposit $1,000 Details Maximum amount to open CD is $90,000; Only available to Consumer Customers; No Institutional or Public Funds eligible; Not available for IRAs; Online Only Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.27% APY 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.
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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.

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	$853M	9.62%	4.9	A
March 31, 2026	$904M	8.79%	4.2	B+
December 31, 2025	$891M	8.45%	4.4	B+
September 30, 2025	$855M	8.84%	4.4	B+
June 30, 2025	$854M	12.60%	3.8	B-
March 31, 2025	$856M	13.62%	3.4	C+
December 31, 2024	$861M	15.51%	2.9	C-
September 30, 2024	$863M	13.16%	4.0	B-
June 30, 2024	$868M	18.48%	2.2	D
March 31, 2024	$853M	25.81%	1.8	F
December 31, 2023	$848M	31.66%	1.6	F
September 30, 2023	$815M	44.27%	1.0	F

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

Institution Name Community National Bank Seneca, KS

Bank Holding Company COMMUNITY BANCSHARES INC

Address 210 Main St, Seneca, KS 66538 · Nemaha

Website https://www.communitynationalbank.net

FDIC Certificate # 25665

Established 19841004

FDIC Insurance Date 19841004

Domestic Offices 6

Total Branches 6

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 94/100

4.9

Exceptional Out of 5.0 Stars

9.62%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.6452%

Return on Equity (ROE) 25.5000%

Non-Performing Loans (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 06/30/2026

Q2 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 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.

<a href="https://monitorbankrates.com/banks/community-national-bank-rates-review-25665">
  <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.

Customer Reviews

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Frequently Asked Questions About Community National Bank Seneca, KS

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.