Community National Bank & Trust of Texas
Corsicana, TX · Cert 18185 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Community Bk Holdings TX Inc.
National charter · OCC · 18 branches
Q2 2026
$1.7BAssets
$1.2BLoans
$1.4BDeposits
$196.1MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 88% of banks $1B-$10B in assets operating in a single state (rank 31 of 258).
- Widest gap: total risk-based capital ratio trails 88% of banks $1B-$10B in assets operating in a single state (rank 226 of 258).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.64%
Rank 43 of 258
Net Interest Margin
4.17%
Rank 35 of 258
Efficiency Ratio
56.78%
Rank 103 of 257
Equity / Assets
11.66%
Rank 70 of 258
Non-interest income vs. expense
Unfavorable gap of $33.5M · efficiency ratio beats 60% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.64% | 0.93% | 1.23% | 1.54% | Beats 83% | 43 / 258 | |
| Return on Equity | 14.09% | 9.26% | 11.84% | 14.74% | Beats 68% | 82 / 258 | |
| Net Interest Margin | 4.17% | 3.16% | 3.49% | 3.88% | Beats 86% | 35 / 258 | |
| Efficiency Ratio | 56.78% | 51.71% | 60.30% | 69.65% | Beats 60% | 103 / 257 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.09% | 0.19% | 0.46% | 0.90% | Beats 88% | 31 / 258 | |
| Net Charge-Offs / Loans | 0.04% | 0.01% | 0.02% | 0.07% | Beats 36% | 165 / 258 | |
| Capital |
| Tier 1 Capital Ratio | 10.62% | 11.41% | 12.98% | 15.12% | Beats 14% | 221 / 258 | |
| Total Risk-Based Capital Ratio | 10.62% | 12.10% | 13.91% | 16.08% | Beats 12% | 226 / 258 | |
| Equity / Assets | 11.66% | 9.09% | 10.24% | 11.72% | Beats 73% | 70 / 258 | |
| Liquidity & Funding |
| Loans / Deposits | 84.21% | 73.24% | 86.34% | 95.95% | 45th pctl | 143 / 258 | |
| Loans / Assets | 71.09% | 63.01% | 72.27% | 78.40% | 47th pctl | 138 / 258 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |