Commercial Bank, The
Mason, TX · Cert 19595 · Peer group: banks under $1B in assets in TX (n=208-211) · Commercial Co. Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
$114.6MAssets
$44.6MLoans
$99.1MDeposits
$10.2MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in TX (rank 44 of 208).
- Widest gap: total risk-based capital ratio trails 93% of banks under $1B in assets in TX (rank 196 of 211).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.54%
Rank 61 of 211
Net Interest Margin
3.48%
Rank 142 of 211
Efficiency Ratio
51.18%
Rank 45 of 211
Equity / Assets
8.93%
Rank 172 of 211
Non-interest income vs. expense
Unfavorable gap of $2.0M · efficiency ratio beats 79% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.54% | 0.87% | 1.20% | 1.65% | Beats 71% | 61 / 211 | |
| Return on Equity | 17.28% | 7.52% | 11.67% | 14.58% | Beats 87% | 27 / 211 | |
| Net Interest Margin | 3.48% | 3.28% | 3.82% | 4.31% | Beats 33% | 142 / 211 | |
| Efficiency Ratio | 51.18% | 53.01% | 64.18% | 73.65% | Beats 79% | 45 / 211 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.01% | 0.30% | 1.10% | Beats 100% | 44 / 208 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 100% | 43 / 208 | |
| Capital |
| Tier 1 Capital Ratio | 9.95% | 11.72% | 14.45% | 19.57% | Beats 8% | 194 / 211 | |
| Total Risk-Based Capital Ratio | 9.95% | 11.94% | 14.78% | 20.30% | Beats 7% | 196 / 211 | |
| Equity / Assets | 8.93% | 9.41% | 11.06% | 12.94% | Beats 18% | 172 / 211 | |
| Liquidity & Funding |
| Loans / Deposits | 45.05% | 45.39% | 66.56% | 82.03% | 25th pctl | 157 / 208 | |
| Loans / Assets | 38.95% | 39.13% | 56.90% | 70.46% | 23rd pctl | 162 / 211 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |