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Commercial Bank, The

Mason, TX · Cert 19595 · Commercial Co. Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$114.6MAssets
$44.6MLoans
$99.1MDeposits
$10.2MEquity
Loan mix
91%RE $37.7M6%C&I $2.4M4%Consumer $1.5MQ3 2024Q2 2026
Deposit mix
78%Interest-bearing $77.2M22%Noninterest $21.9MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.56%, up 5 bps year over year; NIM at 3.48%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.95%, up 8 bps from a year ago.
  • Funding: loans stand at 45.05% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.56%+5 bps YoY

Net Interest Margin (YTD, annualized)

3.48%+28 bps YoY

Efficiency Ratio (YTD, annualized)

51.18%+264 bps YoY

Tier 1 Leverage Ratio

9.95%+8 bps YoY

NIM

4.95%Q2 ’245.00%Q2 ’255.10%Q2 ’26+5%+9%

Non-interest income vs. expense

1.63%Q2 ’241.62%Q2 ’251.86%Q2 ’26+1%+14%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.26%1.23%1.38%1.51%1.54%1.54%1.42%1.56%+5 bps
Return on Equity15.74%15.26%16.46%18.43%18.38%18.02%15.86%17.39%-105 bps
Net Interest Margin3.09%3.09%3.14%3.21%3.38%3.39%3.44%3.48%+28 bps
Efficiency Ratio51.75%52.96%51.05%48.54%48.46%50.87%51.37%51.18%+264 bps
Non-Interest Burden1.53%1.57%1.54%1.49%1.57%1.66%1.71%1.71%+22 bps
Growth
Asset Growth (YoY)3.07%-0.37%2.48%6.18%1.26%5.49%2.09%2.37%-381 bps
Loan Growth (YoY)10.38%9.92%13.62%13.21%3.86%3.25%-0.50%-0.94%-1,415 bps
Deposit Growth (YoY)-0.88%-2.47%1.59%6.42%1.03%3.67%-0.25%-1.25%-767 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.04%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.04%0.04%0.03%0.05%0.00%0.00%-4 bps
Allowance / Loans1.41%1.44%1.38%1.37%1.36%1.23%1.24%1.24%-13 bps
Allowance Coverage of NPLsn/a36.8xn/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.22%10.23%10.16%9.87%10.05%10.32%9.69%9.95%+8 bps
Total Risk-Based Capital21.36%23.22%10.16%9.87%10.05%10.32%9.69%9.95%+8 bps
Equity / Assets8.76%8.39%8.36%7.86%8.96%9.23%8.74%8.93%+107 bps
Liquidity & Funding
Loans / Deposits46.87%46.88%45.03%44.91%48.19%46.70%44.92%45.05%+14 bps
Liquid Assets / Assets6.93%7.09%7.21%7.09%2.92%5.80%6.10%4.77%-233 bps
CRE / Total Capitaln/an/an/an/a74.44%77.43%69.64%n/an/a