BlastPoint's Banking Scorecard

Commercial Bank of Texas, National Association

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

Designations: ✓ Community bank

Nacogdoches, TX

23 branches across TX

884 banks in the $1B-$10B peer group nationally 80 in TX

Commercial Bank of Texas, National Association shows strong momentum with 4 strengths and 11.0% YoY asset growth

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

+ ROA 0.27% above tier average
+ Net Interest Margin 0.47% above tier average
+ Efficiency Ratio 5.91% below tier average
+ Delinquency Rate 0.76% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Commercial Bank of Texas, National Association releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$1.7B +11.0% YoY +4.6% QoQ	-$1.1B	$2.8B -0.1% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	42%
Total Loans ?	$1.1B +11.1% YoY +3.5% QoQ	-$832.4M	$2.0B +0.6% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	40%
Total Deposits ?	$1.5B +9.8% YoY +4.8% QoQ	-$817.7M	$2.3B -0.3% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	45%
Return on Assets ?	1.64% +25.1% YoY +11.1% QoQ	+0.27%	1.37% +19.6% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	77%
Net Interest Margin ?	4.29% +12.9% YoY +5.7% QoQ	+0.47%	3.82% +6.9% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	82%
Efficiency Ratio ?	55.15% -10.6% YoY -3.0% QoQ	-5.91%	61.06% -4.6% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	64%
Delinquency Rate ?	0.13% -37.7% YoY -1.7% QoQ	-0.76%	0.89% +14.1% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	Top 14.1% in tier
Loan-to-Deposit Ratio ?	74.22% +1.1% YoY -1.2% QoQ	-9.98%	84.20% +0.3% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	77%
Non-Interest-Bearing Deposit Share ?	24.11% -7.1% YoY -4.3% QoQ	+2.82%	21.29% -2.5% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	69%
Nonperforming Asset Ratio ?	0.12% -19.2% YoY +11.7% QoQ	-0.55%	0.67% +15.6% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	83%
Tier 1 Capital Ratio ?	15.36% +4.8% YoY -0.0% QoQ	+0.20%	15.16% +2.0% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	76%
Non-Interest Income / Assets ?	0.26% +5.5% YoY -76.3% QoQ	+0.00%	0.26% +1.6% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	81%

Get Full Access to Commercial Bank of Texas, National Association

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

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).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (7 metrics)

125

Delinquency Rate

credit_quality

Value: 0.13%

Peer Median: 0.89%

#125 of 880 Top 14.1% in $1B-$10B

151

Nonperforming Asset Ratio

credit_quality

Value: 0.12%

Peer Median: 0.67%

#151 of 884 Top 17.0% in $1B-$10B

157

Net Interest Margin

profitability

Value: 4.29%

Peer Median: 3.82%

#157 of 884 Top 17.6% in $1B-$10B

169

Non-Interest Income / Assets

revenue_mix

Value: 0.26%

Peer Median: 0.26%

#169 of 884 Top 19.0% in $1B-$10B

201

Return on Assets

profitability

Value: 1.64%

Peer Median: 1.37%

#201 of 884 Top 22.6% in $1B-$10B

203

Loan-to-Deposit Ratio

liquidity

Value: 74.22%

Peer Median: 84.20%

#203 of 884 Top 22.9% in $1B-$10B

211

Tier 1 Capital Ratio

capital

Value: 15.36%

Peer Median: 15.16%

#211 of 884 Top 23.8% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available