BlastPoint's Banking Scorecard
Commercial National Bank of Texarkana
Texarkana, TX
6 branches across AR · TX
Commercial National Bank of Texarkana has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 22.8% in tier
- + Net Interest Margin 0.51% above tier average
- + Efficiency Ratio 11.95% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.20% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$330.3M
+4.1% YoY
+0.6% QoQ
|
-$55.8M |
$386.1M
+0.5% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
51% |
| Total Loans ? |
$241.2M
+9.9% YoY
+0.3% QoQ
|
-$14.5M |
$255.7M
+1.1% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
58% |
| Total Deposits ? |
$307.0M
+3.0% YoY
+0.3% QoQ
|
-$21.0M |
$328.0M
+0.1% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
56% |
| Return on Assets ? |
2.09%
+32.0% YoY
+10.7% QoQ
|
+0.82% |
1.27%
+12.9% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
Top 10.7% in tier |
| Net Interest Margin ? |
4.44%
+8.9% YoY
+0.3% QoQ
|
+0.51% |
3.93%
+6.0% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
80% |
| Efficiency Ratio ? |
53.34%
-15.9% YoY
-8.9% QoQ
|
-11.95% |
65.29%
-4.5% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
78% |
| Delinquency Rate ? | 2.09% | +1.20% |
0.89%
+18.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
Bottom 11.6% in tier |
| Loan-to-Deposit Ratio ? |
78.59%
+6.7% YoY
-0.0% QoQ
|
+1.95% |
76.64%
+0.8% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
50% |
| Non-Interest-Bearing Deposit Share ? |
26.75%
+11.0% YoY
+0.9% QoQ
|
+4.73% |
22.02%
-1.0% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
73% |
| Nonperforming Asset Ratio ? | 1.53% | +0.89% |
0.64%
+19.7% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
Bottom 11.1% in tier |
| Tier 1 Capital Ratio ? |
14.38%
-2.6% YoY
+3.7% QoQ
|
-1.45% |
15.83%
+1.5% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
61% |
| Non-Interest Income / Assets ? |
0.13%
-3.7% YoY
-76.5% QoQ
|
-0.15% |
0.28%
+9.3% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
68% |
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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 (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.