Texarkana, TX · Cert 19024 · Commercial Bancshares Inc.
National charter · OCC · 6 branches
Q2 2026
Market Position · Texarkana, TX-AR · 2026 SOD (annual) · 9.7% share · #5 of 19 inst. · $0.3B of $3.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.35% | 1.47% | 1.49% | 1.64% | 1.70% | +35 bps | |
| Return on Equity | 24.36% | 25.34% | 25.09% | 25.11% | 25.59% | +123 bps | |
| Net Interest Margin | 3.90% | 4.00% | 4.03% | 4.22% | 4.27% | +37 bps | |
| Efficiency Ratio | 59.74% | 57.81% | 58.56% | 53.34% | 53.12% | -662 bps | |
| Non-Interest Burden | 2.10% | 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 / Loans | 0.02% | 0.03% | 0.04% | 2.07% | 1.99% | +197 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.04% | 0.04% | 0.01% | 0.01% | -1 bps | |
| Allowance / Loans | 0.86% | 0.85% | 0.83% | 0.86% | 0.87% | +1 bps | |
| Allowance Coverage of NPLs | 39.7x | 27.6x | 21.8x | 0.4x | 0.4x | -39.3x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.80% | 10.00% | 9.64% | 10.02% | 10.01% | +20 bps | |
| Total Risk-Based Capital | 15.68% | 16.05% | 14.97% | 15.52% | 15.63% | -5 bps | |
| Equity / Assets | 5.69% | 6.63% | 6.37% | 6.68% | 6.83% | +114 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 77.34% | 76.88% | 79.26% | 79.27% | 82.12% | +478 bps | |
| Liquid Assets / Assets | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0 bps | |
| CRE / Total Capital | n/a | 254% | 295% | 290% | n/a | n/a | |