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
Unfavorable gap of $6.7M · efficiency ratio beats 85% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.69% | 0.60% | 1.01% | 1.45% | Beats 82% | 115 / 629 | |
| Return on Equity | 24.80% | 5.38% | 9.30% | 13.28% | Beats 97% | 22 / 629 | |
| Net Interest Margin | 4.27% | 3.03% | 3.54% | 4.05% | Beats 84% | 102 / 629 | |
| Efficiency Ratio | 53.12% | 58.35% | 67.79% | 79.08% | Beats 85% | 97 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.99% | 0.09% | 0.46% | 1.20% | Beats 14% | 502 / 581 | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.06% | Beats 51% | 288 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 14.46% | 11.24% | 13.84% | 18.77% | Beats 55% | 281 / 629 | |
| Total Risk-Based Capital Ratio | 15.63% | 11.58% | 14.43% | 19.66% | Beats 59% | 261 / 629 | |
| Equity / Assets | 6.83% | 9.09% | 10.65% | 13.80% | Beats 5% | 600 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 82.12% | 67.24% | 80.90% | 93.48% | 52nd pctl | 288 / 594 | |
| Loans / Assets | 75.94% | 53.31% | 67.71% | 78.15% | 69th pctl | 196 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |