🏦Bank Scorer

COMMUNITY NATIONAL BANK

MIDLAND, TX · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1984FDIC #24,897
Satisfactory Same

Current rating · Exam: August 2018

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 2.04%

Institution Profile

FDIC BankFind

Address

500 W Illinois Ave, MIDLAND, TX

County

Midland County

Established

January 3, 1984

Total Assets

$2.6B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

August 13, 2018

Exam Type

Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
⚠️This exam is 7 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$2.6B

Total Deposits

$2.2B

Net Loans

$1.6B

Net Income

$13M

ROA

2.04%

ROE

16.73%

Risk-Based Capital

17.69%

Regulatory minimum: 8%

Branch Footprint

FDIC SOD 2025

Total Branches

11

Branch Deposits

$2.1B

1-Year Change

0

5-year net change: +1 branches

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

5 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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