BlastPoint's Banking Scorecard

Commercial National Bank of Texarkana

$100M-$1B Specialty: Commercial TX FDIC cert 19024

Texarkana, TX

6 branches across AR · 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
Deposits +2.1% year over year ($305.3M on the books).
Delinquency rate 2.01%.
Return on assets 2.16%.
Efficiency ratio 53.12% vs a 64.48% peer average.
Loan-to-deposit ratio 81.40% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 219 in TX

View $100M-$1B leaderboard (TX) →

Commercial National Bank of Texarkana has 3 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

+ Profitability Leader: Top 20.9% in tier
+ Net Interest Margin 0.58% above tier average
+ Efficiency Ratio 11.36% below tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 1.09% above tier average

Get updates when Commercial National Bank of Texarkana releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$330.1M +3.7% YoY -0.1% QoQ	-$56.4M	$386.6M +1.2% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	51%
Total Loans ?	$248.5M +8.4% YoY +3.0% QoQ	-$9.8M	$258.3M +1.7% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	59%
Total Deposits ?	$305.3M +2.1% YoY -0.5% QoQ	-$21.4M	$326.7M +0.7% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	56%
Return on Assets ?	2.16% +26.1% YoY +3.6% QoQ	+0.84%	1.32% +10.8% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	Top 9.7% in tier
Net Interest Margin ?	4.57% +8.3% YoY +2.9% QoQ	+0.58%	3.99% +5.0% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	82%
Efficiency Ratio ?	53.12% -11.1% YoY -0.4% QoQ	-11.36%	64.48% -3.2% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	76%
Delinquency Rate ?	2.01% -4.0% QoQ	+1.09%	0.92% +15.7% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	Bottom 12.9% in tier
Loan-to-Deposit Ratio ?	81.40% +6.2% YoY +3.6% QoQ	+3.45%	77.95% +1.0% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	46%
Non-Interest-Bearing Deposit Share ?	26.87% +13.1% YoY +0.4% QoQ	+4.84%	22.03% -0.6% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	73%
Nonperforming Asset Ratio ?	1.51% -1.1% QoQ	+0.84%	0.67% +16.4% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	Bottom 12.0% in tier
Tier 1 Capital Ratio ?	14.46% -0.4% YoY +0.6% QoQ	-1.45%	15.91% +1.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	61%
Non-Interest Income / Assets ?	0.27% -6.1% YoY +103.5% QoQ	-0.29%	0.57% +7.6% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	67%

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	26.9% +3.1pp YoY +0.1pp QoQ	+4.7pp	22.1%	29.2%	22.2%	72%
Brokered Deposits	n/a	n/a	7.9%	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	21.8% +1.0pp YoY +2.2pp QoQ	+10.3pp	11.6%	14.8%	12.5%	90%
CRE	35.9% -0.5pp YoY -3.5pp QoQ	-3.6pp	39.5%	48.4%	41.4%	45%
1-4 Family	39.5% -0.2pp YoY +1.2pp QoQ	+6.8pp	32.6%	25.8%	31.3%	69%
Consumer	1.9% -0.5pp YoY -0.2pp QoQ	-2.2pp	4.1%	4.7%	5.0%	47%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	14.5% -0.1pp YoY +0.1pp QoQ	-4.4pp	18.8%	22.7%	19.7%	44%
Leverage Ratio	10.0% +0.2pp YoY 0.0pp QoQ	-2.2pp	12.2%	12.6%	12.6%	31%
Total Capital Ratio	15.6% -0.1pp YoY +0.1pp QoQ	-4.3pp	19.9%	23.8%	20.8%	44%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	59 0 YoY 0 QoQ	+0	58	186	482	62%
Assets per Employee ($)	$5.6M +3.7% YoY -0.1% QoQ	-$1.9M	$7.5M	$10.1M	$8.8M	25%
Branch Count	6 0 YoY 0 QoQ	+1	4	12	18	66%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.3%	0.4%	n/a
Nonaccrual	2.0% -0.1pp QoQ	+1.1pp	0.9%	1.0%	1.0%	87%
Allowance Coverage	0.44x -98.9% YoY +5.6% QoQ	-23.71x	24.15x	18.82x	20.23x	8%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	46%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	32.6% +1.6pp YoY +0.7pp QoQ	+20.4pp	12.2%	13.2%	11.6%	98%
Cost of Funds (YTD)	1.3% -0.3pp YoY 0.0pp QoQ	-0.4pp	1.7%	1.6%	1.7%	24%
Net Income ($, YTD)	$3.6M +31.5% YoY — QoQ	+$1.0M	$2.6M	$15.9M	$40.4M	76%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

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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 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)

Profitability Leader

growth

#139 of 661 • Top 20.9% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.16%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

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 2643 peers in $100M-$1B

Top Strengths (3 metrics)

257

Return on Assets

profitability

Value: 2.16%

Peer Median: 1.32%

#257 of 2643 Top 9.7% in $100M-$1B

475

Net Interest Margin

profitability

Value: 4.57%

Peer Median: 3.99%

#475 of 2643 Top 17.9% in $100M-$1B

625

Efficiency Ratio

profitability

Value: 53.12%

Peer Median: 64.48%

#625 of 2643 Top 23.6% in $100M-$1B

Top Weaknesses (2 metrics)

2327

Nonperforming Asset Ratio

credit_quality

Value: 1.51%

Peer Median: 0.67%

#2327 of 2643 Bottom 12.0% in $100M-$1B

2294

Delinquency Rate

credit_quality

Value: 2.01%

Peer Median: 0.92%

#2294 of 2633 Bottom 12.9% in $100M-$1B