🏦Bank Scorer

COMMUNITY NATIONAL BANK

DERBY, VT · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1851FDIC #6,271
Outstanding Same

Current rating · Exam: January 2024

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 1.50%

Institution Profile

FDIC BankFind

Address

4811 U.S. Route 5, DERBY, VT

County

Orleans County

Established

January 15, 1851

Total Assets

$1.2B(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

January 2, 2024

Exam Type

Intermediate Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Jan 2028(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.2B

Total Deposits

$1.0B

Net Loans

$974M

Net Income

$5M

ROA

1.50%

ROE

14.85%

Risk-Based Capital

15.61%

Regulatory minimum: 8%

Branch Footprint

FDIC SOD 2025

Total Branches

12

Branch Deposits

$934M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

9 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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