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Commercial National Bank of Texarkana

Texarkana, TX · Cert 19024 · Commercial Bancshares Inc.

National charter · OCC · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

40

Q2 2024Q2 2026peer median (50)

Asset Quality

33

Q2 2024Q2 2026peer median (50)

Profitability

88

Q2 2024Q2 2026peer median (50)

Liquidity

94

Q2 2024Q2 2026peer median

Efficiency

85

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Commercial National Bank of Texarkana

Texarkana, TX · Cert 19024 · Commercial Bancshares Inc.

National charter · OCC · 6 branches

Q2 2026

$330.1MAssets
$250.7MLoans
$305.3MDeposits
$22.5MEquity
Loan mix
78%RE $189.7M20%C&I $47.4M2%Consumer $5.1MQ2 2025Q2 2026
Deposit mix
73%Interest-bearing $223.3M27%Noninterest $82.0MQ2 2025Q2 2026

NIM

5.21%Q2 ’245.35%Q2 ’255.50%Q2 ’26+6%+9%

Non-interest income vs. expense

2.82%Q2 ’242.68%Q2 ’252.56%Q2 ’26-4%-4%

Market Position · Texarkana, TX-AR · 2026 SOD (annual) · 9.7% share · #5 of 19 inst. · $0.3B of $3.1B

24.3% Miller
3.9% Bowie

Executive Summary

  • Earnings: ROA of 1.70%, up 35 bps year over year; NIM at 4.27%.
  • Asset quality: problem loans at 1.99% of loans (+197 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 10.01%, up 20 bps from a year ago.
  • Funding: loans stand at 82.12% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.70%+35 bps YoY

Net Interest Margin (YTD, annualized)

4.27%+37 bps YoY

Efficiency Ratio (YTD, annualized)

53.12%-662 bps YoY

Tier 1 Leverage Ratio

10.01%+20 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.35%1.47%1.49%1.64%1.70%+35 bps
Return on Equity24.36%25.34%25.09%25.11%25.59%+123 bps
Net Interest Margin3.90%4.00%4.03%4.22%4.27%+37 bps
Efficiency Ratio59.74%57.81%58.56%53.34%53.12%-662 bps
Non-Interest Burden2.10%2.07%2.13%2.00%2.02%-8 bps
Growth
Asset Growth (YoY)3.70%4.17%5.02%4.06%3.66%-3 bps
Loan Growth (YoY)3.03%4.48%9.22%9.95%8.43%+540 bps
Deposit Growth (YoY)6.64%3.73%3.88%2.98%2.12%-453 bps
Asset Quality
Nonperforming Loans / Loans0.02%0.03%0.04%2.07%1.99%+197 bps
Net Charge-Offs / Loans0.02%0.04%0.04%0.01%0.01%-1 bps
Allowance / Loans0.86%0.85%0.83%0.86%0.87%+1 bps
Allowance Coverage of NPLs39.7x27.6x21.8x0.4x0.4x-39.3x
Capital
Tier 1 Leverage Ratio9.80%10.00%9.64%10.02%10.01%+20 bps
Total Risk-Based Capital15.68%16.05%14.97%15.52%15.63%-5 bps
Equity / Assets5.69%6.63%6.37%6.68%6.83%+114 bps
Liquidity & Funding
Loans / Deposits77.34%76.88%79.26%79.27%82.12%+478 bps
Liquid Assets / Assets0.01%0.01%0.01%0.01%0.01%0 bps
CRE / Total Capitaln/a254%295%290%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Commercial National Bank of Texarkana

Texarkana, TX · Cert 19024 · Peer group: banks under $1B in assets (n=581-629) · Commercial Bancshares Inc.

National charter · OCC · 6 branches

Q2 2026

$330.1MAssets
$250.7MLoans
$305.3MDeposits
$22.5MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 97% of banks under $1B in assets (rank 22 of 629).
  • Widest gap: equity / assets trails 95% of banks under $1B in assets (rank 600 of 629).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.69%

Rank 115 of 629

Net Interest Margin

4.27%

Rank 102 of 629

Efficiency Ratio

53.12%

Rank 97 of 629

Equity / Assets

6.83%

Rank 600 of 629

Non-interest income vs. expense

$1.8M$8.5MINCOMEEXPENSE
Unfavorable gap of $6.7M · efficiency ratio beats 85% of banks under $1B in assets
Bank 53.12%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.69%0.60%1.01%1.45%Beats 82%115 / 629
Return on Equity24.80%5.38%9.30%13.28%Beats 97%22 / 629
Net Interest Margin4.27%3.03%3.54%4.05%Beats 84%102 / 629
Efficiency Ratio53.12%58.35%67.79%79.08%Beats 85%97 / 629
Asset Quality
Nonperforming Loans / Loans1.99%0.09%0.46%1.20%Beats 14%502 / 581
Net Charge-Offs / Loans0.01%n/a0.01%0.06%Beats 51%288 / 581
Capital
Tier 1 Capital Ratio14.46%11.24%13.84%18.77%Beats 55%281 / 629
Total Risk-Based Capital Ratio15.63%11.58%14.43%19.66%Beats 59%261 / 629
Equity / Assets6.83%9.09%10.65%13.80%Beats 5%600 / 629
Liquidity & Funding
Loans / Deposits82.12%67.24%80.90%93.48%52nd pctl288 / 594
Loans / Assets75.94%53.31%67.71%78.15%69th pctl196 / 629
Brokered Deposits / Depositsn/aNot reported for this institution