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Letter portraitLegal landscapeQuarterYTD

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 $5.1MQ3 2024Q2 2026
Deposit mix
73%Interest-bearing $223.3M27%Noninterest $82.0MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.16%1.11%1.24%1.35%1.47%1.49%1.64%1.70%+35 bps
Return on Equity22.40%21.45%22.82%24.36%25.34%25.09%25.11%25.59%+123 bps
Net Interest Margin3.70%3.64%3.83%3.90%4.00%4.03%4.22%4.27%+37 bps
Efficiency Ratio65.60%67.17%63.45%59.74%57.81%58.56%53.34%53.12%-662 bps
Non-Interest Burden2.21%2.25%2.22%2.10%2.07%2.13%2.00%2.02%-8 bps
Growth
Asset Growth (YoY)2.38%1.28%2.30%3.70%4.17%5.02%4.06%3.66%-3 bps
Loan Growth (YoY)1.30%-0.58%-1.26%3.03%4.48%9.22%9.95%8.43%+540 bps
Deposit Growth (YoY)2.68%2.24%4.94%6.64%3.73%3.88%2.98%2.12%-453 bps
Asset Quality
Nonperforming Loans / Loans0.01%0.01%0.00%0.02%0.03%0.04%2.07%1.99%+197 bps
Net Charge-Offs / Loans0.03%0.07%0.07%0.02%0.04%0.04%0.01%0.01%-1 bps
Allowance / Loans0.88%0.84%0.82%0.86%0.85%0.83%0.86%0.87%+1 bps
Allowance Coverage of NPLs81.6x80.9xn/a39.7x27.6x21.8x0.4x0.4x-39.3x
Capital
Tier 1 Leverage Ratio9.66%9.34%9.85%9.80%10.00%9.64%10.02%10.01%+20 bps
Total Risk-Based Capital15.79%15.54%15.89%15.68%16.05%14.97%15.52%15.63%-5 bps
Equity / Assets6.22%5.25%5.65%5.69%6.63%6.37%6.68%6.83%+114 bps
Liquidity & Funding
Loans / Deposits76.33%75.39%74.25%77.34%76.88%79.26%79.27%82.12%+478 bps
Liquid Assets / Assets0.01%0.01%0.01%0.01%0.01%0.01%0.01%0.01%0 bps
CRE / Total Capitaln/an/an/an/a254%295%290%n/an/a