Community National Bank & Trust

Name

Community National Bank & Trust

Legal name

Community National Bank

Website

https://mybankcnb.com

Company type

Private

Founded year

1987

Operating status

Operating

Headcount range

251–500 employees

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221)

SIC

State Commercial Banks (6022), National Commercial Banks (6021)

akta.pro primary industry

Agricultural & Rural Cooperatives (Farm Credit/Co-op Banks) (FSABAEAG)

Keywords

• Community banking services
• Agricultural lending
• Commercial lending
• Consumer deposit accounts
• Treasury management

Headquarters

HQ city

Chanute

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Revenue model

1. Interest Income: Traditional bank interest income from lending activities including personal loans, mortgages, commercial loans, and agricultural loans. Revenue generated from interest rate spreads on deposits versus loans.
2. Deposit Services: Fee income from checking accounts, savings accounts, money market accounts, and certificates of deposit. Revenue from account service fees and related charges.
3. Commercial Banking Services: Business banking revenue including commercial checking, business loans, SBA loans, commercial real estate financing, equipment loans, and business credit cards.
4. Wealth Management Services: Trust services, estate planning, brokerage services, and individual retirement accounts generating fee-based revenue.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Community National Bank & Trust is a community bank that accepts deposits and extends credit to consumer, small business, commercial, and agricultural customers. It funds these activities through personal and business checking, savings, money market, CD, and IRA accounts, and earns interest on a broad loan portfolio that includes home mortgages, home equity, auto, RV, personal, SBA, commercial real estate, equipment, accounts receivable, letters of credit, and agricultural loans (including FSA-guaranteed loans via its Midwest AG Financing division). Complementary service lines include digital/mobile banking, treasury management (ACH, remote deposit capture, positive pay, merchant card), and trust/estate/brokerage wealth services.

Product overview

Community National Bank & Trust is a traditional community bank offering a comprehensive suite of personal and business banking products. The bank operates as a single-unified banking platform providing checking and savings accounts, consumer and commercial loans (including mortgage, auto, agriculture, and SBA loans), credit cards, and cash management services. The product portfolio includes multiple personal checking variants (Guardian Secure Checking, ePower Checking, Basic Checking, NOW PLUS Checking, Teacher's Choice Checking, 50+ Club Checking), savings products (Regular Savings, Platinum Savings, Young Investors Club Savings, CDs, IRAs), business banking accounts (Small Business Checking, Commercial Checking, Business Money Market, Business CDs, Business Retirement Accounts), diverse lending products (Home Mortgages, HELOCs, Auto Loans, RV Loans, SBA Loans, Commercial Real Estate, Agriculture Loans), and specialized services including Digital Banking, Cash Management, ACH Services, Remote Deposit Capture, Positive Pay, Merchant Card Services, Trust Services, and Brokerage Services. The Midwest AG division provides specialized agricultural financing including FSA guaranteed loans and farm real estate loans.

Differentiator

Problem solved

Functional benefit

Brands

• Midwest Ag Financing: Agricultural lending division offering FSA-guaranteed loans, agriculture real estate loans, and farm equipment loans.

Products and services

• Guardian Secure Checking Personal checking account with enhanced security features for individual account holders.
• ePower Checking Personal checking account product offered by Community National Bank & Trust to consumer customers.
• Money Market Account Personal interest-bearing deposit account earning interest on deposited funds with limited transaction capabilities.
• Basic Checking Straightforward personal checking account with essential banking features for everyday consumers.
• NOW PLUS Checking Personal checking account offering negotiable order of withdrawal features for interest-bearing demand deposit use.
• Teacher's Choice Checking Personal checking account designed for educators with features tailored to teacher pay cycles and benefits.
• 50+ Club Checking Personal checking account designed for customers aged 50 and older with features tailored to senior banking needs.
• Regular Savings Account Standard personal savings account for depositing funds and earning interest.
• Platinum Savings Premium personal savings account with higher interest rates and enhanced features.
• Young Investors Club Savings Savings account designed for young investors to begin building savings habits.
• Certificates of Deposit (CDs) Personal time deposit accounts with fixed terms and guaranteed returns.
• Individual Retirement Accounts (IRAs) Tax-advantaged personal retirement savings accounts including Traditional and Roth IRA options.
• Small Business Checking Checking account tailored for small business owners with basic banking needs.
• Commercial Checking Business checking account designed for larger commercial operations.
• Business Money Market Business interest-bearing deposit account with limited transaction capabilities.
• Business Regular Savings Basic business savings account for depositing and accumulating funds.
• Business Certificates of Deposit (CDs) Business time deposit accounts with fixed terms for excess business funds.
• Business Retirement Accounts Retirement savings accounts for businesses including SEP IRAs and other qualified business retirement plans.
• Home Mortgage Loans Loans for purchasing or refinancing residential properties with fixed or adjustable rates.
• Homes For Heroes Loans Mortgage program providing benefits for military, first responders, and educators.
• Home Equity Lines of Credit (HELOC) Revolving credit lines secured by home equity for flexible borrowing needs.
• Home Equity Loans Fixed-term loans secured by home equity for larger one-time expenses.
• Home Improvement Loans Loans specifically designed for funding home renovation and improvement projects.
• Auto Loans Financing for purchasing new or used vehicles.
• Recreational Vehicle (RV) Loans Loans for financing recreational vehicles including motorhomes, travel trailers, and campers.
• Personal Loans Unsecured loans for personal expenses and financial needs.
• Debt Consolidation Loans Loans designed to combine multiple debts into a single payment.
• Small Business Administration (SBA) Loans Government-backed loans for small business financing through SBA programs.
• Commercial Real Estate Loans Financing for commercial property purchases, construction, and refinancing.
• Business Lines of Credit Revolving credit facilities for businesses to manage cash flow and unexpected expenses.
• Equipment Loans Financing for business equipment purchases and acquisitions.
• Accounts Receivable Loans Financing solutions based on business accounts receivable.
• Letters of Credit Commercial instruments that guarantee payment to third parties in international trade transactions.
• Personal Credit Cards Credit cards for personal use with rewards and fraud protection.
• Business Credit Cards Credit cards designed for business expenses with expense management features.
• Agriculture Loans Loans and credit facilities specifically designed for agricultural operations including revolving lines of credit and farm equipment financing.
• Midwest AG Financing Specialized agricultural lending division offering FSA loans, agricultural real estate loans, and customized farming loan options.
• Digital Banking Online and mobile banking platform enabling customers to access accounts, transfer funds, pay bills, and manage finances remotely.
• Cash Management Treasury management services for businesses including account analysis and liquidity management.
• Automated Clearing House (ACH) Services Electronic payment processing for batch transactions including direct deposits and bill payments.
• Zero Balance Accounts (ZBA) and Target Balance Accounts (TBA) Sweep account structures that maintain target balances and automatically transfer excess funds.
• Remote Deposit Capture Service allowing businesses to deposit checks electronically from their location.
• Positive Pay Fraud prevention service that matches check and payment data to detect unauthorized transactions.
• Merchant Card Services Payment processing services for businesses accepting credit and debit card payments.
• Trust Services and Estate Planning Wealth management services including trust administration and estate planning assistance.
• Brokerage Services Investment brokerage services for buying and selling securities.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Two partnerships are on record, tiered core.

• Prairie Bank of KansascoreStrategic or Co-development Partner · 1 April 2025Community National Bank & Trust announced merger with Prairie Bank of Kansas, where Community Bancorp Inc. (CNBT's holding company) will acquire Prairie Bank of Kansas and Farmers National Bancshares Inc. The merger was expected to close around July 18, 2025.
• CapTex Bank of Fort WorthcoreStrategic or Co-development Partner · 7 January 2025Community National Bank & Trust of Texas announced acquisition of CapTex Bank of Fort Worth, creating a combined bank with $1.7 billion in assets. This was the first bank deal announced in the Dallas-Fort Worth area in 2025.

Scale indicators2 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Landmark National Bank: Kansas-headquartered community bank focused on consumer, business, and agricultural lending across rural Kansas markets with a comparable community-bank model.
• Intrust Bank: Kansas-based community bank serving consumers, businesses, and ag customers with similar deposit, lending, and wealth services across the same Midwest footprint as CNBT.
• Emprise Bank: Kansas-chartered community bank offering commercial, consumer, and ag lending with strong treasury and wealth services — a close functional peer to CNBT.
• Equity Bank: Heartland community bank with comparable full-service consumer/business banking, ag lending, and a multi-state Midwest branch network — directly overlapping CNBT's product set and geographic profile.

Broad incumbents

• Arvest Bank: Large regional bank serving Kansas, Missouri, Oklahoma, and Arkansas with full consumer, mortgage, commercial, and treasury products — overlapping CNBT's geography at greater scale.
• BOK Financial: Oklahoma-based regional bank with significant commercial, ag, and treasury management capabilities in markets adjacent to CNBT's footprint.
• UMB Bank: Kansas City-based regional bank with a comparable mix of commercial, ag, treasury, and wealth services across the Midwest.
• Commerce Bank: Missouri-headquartered regional bank offering consumer, commercial, and wealth services across Kansas/Missouri/Oklahoma — competing with CNBT for the same business and ag customers.

Regional players

• Central Bank of the Ozarks: Missouri community bank serving southwest Missouri and nearby markets — overlapping CNBT's Missouri banking-center geography with similar community-banking positioning.
• First National Bank of Kansas: Kansas-based community bank with consumer, business, and ag lending in markets adjacent to CNBT's southeast Kansas core.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat2 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/ComNatBankTrust
• YouTubeyoutube.com/@communitynationalbanktrust3360/featured
• Facebookfacebook.com/CommunityNationalBankandTrust
• LinkedInlinkedin.com/company/community-national-bank-of-chanute

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Community National Bank & Trust