Community National Bank is an FDIC-insured Vermont community bank offering deposit accounts, electronic banking, home lending, and trust & investment services since 1851.
Data compiled from public sources · Rating from CreditDoc methodology
Community National Bank is a Vermont-based community bank that has operated since 1851, growing from its original $1,200 weekly business into a modern billion-dollar institution. The bank positions itself as Vermont's Community Bank, emphasizing local involvement and commitment to strengthening communities through banking services and charitable initiatives. While the website highlights mortgages prominently through dedicated residential lending pages and staff profiles, the bank's actual service portfolio extends well beyond mortgages to include traditional banking products.
The bank offers FDIC-insured deposit accounts, electronic banking services, a mobile banking app, trust and investment services through CFSG, and special home equity programs. Two named residential lenders (Benjamin Brooks and Penelope L. Johnson) are featured with specific NMLS numbers and service territories across Vermont counties.
The bank emphasizes community involvement, mentioning volunteer work, school partnerships, charitable foundation investments, and specific programs like Habitat for Humanity collaboration. Recent leadership changes are highlighted through CEO videos released in 2024-2025, with new President and CEO Christopher Caldwell promoting the bank's independence and community values. The website content focuses heavily on personal banking and mortgages rather than comprehensive banking service details, limiting visibility into the full breadth of their deposit account offerings, rates, or business banking services.
Community National Bank offers 12 services including FDIC-insured deposit accounts, Electronic banking, Mobile banking app, Mortgage pre-qualification and application, Home purchase mortgage lending, and 7 more.
Community National Bank is best suited for Vermont homeowners seeking mortgage pre-qualification or refinancing with local relationship banking, Residents in Orleans, Essex, Franklin, Lamoille, Caledonia, Orange, and Washington Vermont counties, Customers seeking FDIC-insured deposit accounts with local community bank values, Homeowners interested in home equity lines or special equity programs for renovations.
Key strengths: FDIC-insured deposits backed by full faith and credit of U.S. Government; Long institutional history since 1851 with substantial growth to billion-dollar asset size; Dedicated residential lending team with named NMLS-licensed loan officers and specific service territories. Areas to consider: Website does not display mortgage rates, requiring customers to contact for pricing; Limited information about deposit account types, minimum balances, fees, or interest rates.
In the Banks category, comparable providers include Ledyard National Bank, Northfield Savings Bank, Passumpsic Savings Bank. Each company has different strengths — compare services, pricing, and consumer complaint records to find the best fit.
CreditDoc Diagnosis
Community National Bank is best for Vermont residents seeking traditional FDIC-insured banking with a community-oriented lender, particularly those in Orleans, Essex, Franklin, Lamoille, Caledonia, Orange, and Washington counties. The main caveat is that the website emphasizes mortgages heavily while providing minimal disclosure about deposit account terms, rates, fees, and the full range of banking services, requiring direct contact for most product information.
Regional New England bank offering personal and business banking, mortgages, credit cards, and wealth management through local branches and digital banking platform Onward.
Best for: New England residents and businesses seeking relationship-based banking with personalized service, Essential service workers (healthcare, emergency services, education, etc.) interested in the Everyday Heroes mortgage program
Northfield Savings Bank is a Vermont-based community bank offering personal, business, and government banking services including checking, savings, mortgages, and investment products.
Best for: Vermont small business owners seeking local banking relationships and personalized service, Homebuyers in the Vermont area seeking mortgage financing from a community-based lender
Community bank serving Vermont and New Hampshire since 1853, offering personal and business banking with FDIC insurance and local branch presence.
Best for: Vermont and New Hampshire residents seeking relationship-based banking with local decision-making, Small business owners needing personalized service and local commercial lending relationships
Answer 3 quick questions to see if this provider matches your needs.
1. What's your primary financial goal?
Your credit report contains the raw data behind your score. Learn what's in it, how to read it, and how to dispute errors that could be dragging your score down.
Read guide →Klarna, Afterpay, Affirm — they make spending easy. But what happens to your credit score when you use them? Here's what the fine print doesn't tell you.
Read guide →Learn what makes up your credit score, how it's calculated, what the ranges mean, and how to check yours for free.
Read guide →Affiliate Disclosure: CreditDoc may earn a commission when you click links to Community National Bank and other services. These commissions help us maintain our free research. Our editorial team independently evaluates all services. Compensation does not influence our ratings or rankings. Learn more.