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Commercial Bank of Texas, National Association

$1B-$10B Specialty: Commercial TX FDIC cert 1209

Designations: ✓ Community bank

Nacogdoches, TX

24 branches across TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 78 in TX.
  • Deposits +4.3% year over year ($1.5B on the books).
  • Delinquency rate 0.14%.
  • Return on assets 1.62%.
  • Efficiency ratio 55.54% vs a 59.73% peer average.
  • Loan-to-deposit ratio 77.02% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 78 in TX
View $1B-$10B leaderboard (TX) →

Commercial Bank of Texas, National Association has 4 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Credit Quality Leader: Top 22.6% in tier
  • + ROA 0.23% above tier average
  • + Net Interest Margin 0.48% above tier average
  • + Efficiency Ratio 4.18% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 5.9% in tier
Get updates when Commercial Bank of Texas, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $1.7B
+5.8% YoY -1.2% QoQ
-$1.1B $2.8B
-0.6% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
43%
Total Loans ? $1.2B
+11.7% YoY +2.0% QoQ
-$807.6M $2.0B
-0.3% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
41%
Total Deposits ? $1.5B
+4.3% YoY -1.7% QoQ
-$818.5M $2.3B
-0.5% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
46%
Return on Assets ? 1.62%
+14.5% YoY -1.2% QoQ
+0.23% 1.39%
+17.0% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
75%
Net Interest Margin ? 4.35%
+11.3% YoY +1.4% QoQ
+0.48% 3.87%
+6.2% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
82%
Efficiency Ratio ? 55.54%
-6.4% YoY +0.7% QoQ
-4.18% 59.73%
-12.6% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
61%
Delinquency Rate ? 0.14%
+18.1% YoY +12.1% QoQ
-0.72% 0.87%
+11.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
84%
Loan-to-Deposit Ratio ? 77.02%
+7.1% YoY +3.8% QoQ
-8.01% 85.04%
-0.1% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
74%
Non-Interest-Bearing Deposit Share ? 24.76%
-1.0% YoY +2.7% QoQ
+3.48% 21.27%
-1.5% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
71%
Nonperforming Asset Ratio ? 0.17%
+92.5% YoY +44.7% QoQ
-0.50% 0.67%
+11.7% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
76%
Tier 1 Capital Ratio ? 15.44%
+2.2% YoY +0.5% QoQ
+0.59% 14.84%
-0.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
77%
Non-Interest Income / Assets ? 0.50%
+2.8% YoY +96.6% QoQ
-0.02% 0.53%
+2.5% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
81%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Noninterest-Bearing 24.8%
-0.2pp YoY
+0.6pp QoQ
 +3.4pp 21.4% 29.2% 22.2% 70%
Brokered Deposits n/a n/a 9.5% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
C&I 14.8%
+0.9pp YoY
+0.9pp QoQ
 +0.8pp 14.0% 14.8% 12.5% 67%
CRE 50.4%
+1.0pp YoY
-0.1pp QoQ
 +0.4pp 50.0% 48.4% 41.4% 52%
1-4 Family 29.4%
-1.6pp YoY
-0.7pp QoQ
 +3.0pp 26.4% 25.8% 31.3% 65%
Consumer 4.4%
-0.3pp YoY
-0.1pp QoQ
 -0.3pp 4.7% 4.7% 5.0% 79%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio 15.4%
+0.3pp YoY
+0.1pp QoQ
 -0.2pp 15.6% 22.7% 19.7% 74%
Leverage Ratio 10.6%
+0.5pp YoY
+0.2pp QoQ
 -0.7pp 11.3% 12.6% 12.6% 52%
Total Capital Ratio 16.7%
+0.3pp YoY
+0.1pp QoQ
 0.0pp 16.7% 23.8% 20.8% 75%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 273
+15 (+5.8%) YoY
+2 (+0.7%) QoQ
 -41 313 186 482 60%
Assets per Employee ($) $6.2M
0.0% YoY
-2.0% QoQ
 -$4.3M $10.5M $10.1M $8.8M 14%
Branch Count 24
+1 (+4.3%) YoY
0 QoQ
 +4 20 12 18 74%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days 0.0%
-0.1pp YoY
-0.1pp QoQ
 -0.1pp 0.2% 0.3% 0.4% 58%
Nonaccrual 0.1%
+0.1pp YoY
+0.1pp QoQ
 -0.7pp 0.8% 1.0% 1.0% 11%
Allowance Coverage 10.53x
-16.2% YoY
-10.7% QoQ
 -8.18x 18.71x 18.82x 20.23x 89%
Net Charge-off Rate (YTD) 0.1%
+0.1pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.1% 0.2% 69%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 16.3%
+0.3pp YoY
-0.4pp QoQ
 +3.7pp 12.6% 13.2% 11.6% 80%
Cost of Funds (YTD) 1.5%
-0.1pp YoY
0.0pp QoQ
 -0.4pp 1.9% 1.6% 1.7% 24%
Net Income ($, YTD) $13.6M
+24.6% YoY
— QoQ
 -$5.7M $19.2M $15.9M $40.4M 55%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth
#51 of 221 • Top 22.6% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.14%
(Tier: 0.87%, National: 0.98%)
better than tier avg
221 of 221 Mid-Market banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (1)

Credit Quality Pressure

risk
#30 of 492 • Bottom 5.9% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.14%
(Tier: 0.87%, National: 0.98%)
better than tier avg
492 of 492 Mid-Market banks match · 1820 nationally
→ Stable -71 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (5 metrics)

146
Delinquency Rate
credit_quality
Value: 0.14%
Peer Median: 0.87%
#146 of 882 Top 16.4% in $1B-$10B
157
Net Interest Margin
profitability
Value: 4.35%
Peer Median: 3.87%
#157 of 885 Top 17.6% in $1B-$10B
173
Non-Interest Income / Assets
revenue_mix
Value: 0.50%
Peer Median: 0.53%
#173 of 885 Top 19.4% in $1B-$10B
205
Tier 1 Capital Ratio
capital
Value: 15.44%
Peer Median: 14.84%
#205 of 885 Top 23.1% in $1B-$10B
213
Nonperforming Asset Ratio
credit_quality
Value: 0.17%
Peer Median: 0.67%
#213 of 885 Top 24.0% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available
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