Commercial Bank of Texas, N.A.
Nacogdoches, TX · Cert 1209 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Nacogdoches Coml Bancshares
National charter · OCC · 24 branches
Q2 2026
$1.7BAssets
$1.2BLoans
$1.5BDeposits
$171.6MEquity
Executive Summary
- Strongest standing: return on equity outperforms 82% of banks $1B-$10B in assets operating in a single state (rank 47 of 258).
- Widest gap: net charge-offs / loans trails 89% of banks $1B-$10B in assets operating in a single state (rank 231 of 258).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.61%
Rank 52 of 258
Net Interest Margin
4.03%
Rank 47 of 258
Efficiency Ratio
55.63%
Rank 97 of 257
Equity / Assets
10.18%
Rank 133 of 258
Non-interest income vs. expense
Unfavorable gap of $30.7M · efficiency ratio beats 63% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.61% | 0.93% | 1.23% | 1.54% | Beats 80% | 52 / 258 | | |
| Return on Equity | 15.81% | 9.26% | 11.84% | 14.74% | Beats 82% | 47 / 258 | | |
| Net Interest Margin | 4.03% | 3.16% | 3.49% | 3.88% | Beats 82% | 47 / 258 | | |
| Efficiency Ratio | 55.63% | 51.71% | 60.30% | 69.65% | Beats 63% | 97 / 257 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.14% | 0.19% | 0.46% | 0.90% | Beats 80% | 52 / 258 | | |
| Net Charge-Offs / Loans | 0.20% | 0.01% | 0.02% | 0.07% | Beats 11% | 231 / 258 | | |
| Capital |
| Tier 1 Capital Ratio | 15.44% | 11.41% | 12.98% | 15.12% | Beats 78% | 58 / 258 | | |
| Total Risk-Based Capital Ratio | 16.69% | 12.10% | 13.91% | 16.08% | Beats 79% | 55 / 258 | | |
| Equity / Assets | 10.18% | 9.09% | 10.24% | 11.72% | Beats 48% | 133 / 258 | | |
| Liquidity & Funding |
| Loans / Deposits | 78.20% | 73.24% | 86.34% | 95.95% | 34th pctl | 171 / 258 | | |
| Loans / Assets | 69.59% | 63.01% | 72.27% | 78.40% | 40th pctl | 154 / 258 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |