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Commercial Bank Of Texas, National Association
Nacogdoches, TX · FDIC Certificate #1209 · Chartered 10/1
Total assets
$1.69B
Total deposits
$1.50B
Total equity
$171.56M
Net loans
$1.16B
Branches (offices)
24
Net income (YTD)
$13.56M
Rank: #670 of 4,213 U.S. banks by assets · #59 of 346 in Texas. Assets changed 5.8% and deposits 4.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.62% |
| Return on equity | 16.27% |
| Net interest margin (YTD) | 4.35% |
| Equity to assets | 10.18% |
| Tier 1 leverage ratio | 10.60% |
| Uninsured deposits (share of deposits) | 29.5% |
| Noncurrent loans (share of loans) | 0.14% |
| Net charge-offs (share of loans) | 0.11% |
| Loans to deposits | 77.0% |
| Real estate loans (share of loans) | 81.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $941.26M | 81.5% | |
| Commercial & industrial | $171.06M | 14.8% | |
| Consumer / individual | $50.59M | 4.4% | |
| Construction & development | $138.14M | 12.0% | |
| Agricultural | $7.86M | 0.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.29B | $1.20B | $7.96M | $86.16M |
| Jun 2023 | $1.34B | $1.21B | $7.74M | $99.01M |
| Jun 2024 | $1.43B | $1.30B | $8.61M | $120.72M |
| Jun 2025 | $1.59B | $1.44B | $10.89M | $143.32M |
| Jun 2026 | $1.69B | $1.50B | $13.56M | $171.56M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $1.50B | 24 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.50B.
Similar-sized banks
The Security National Bank Of Sioux City, Iowa ($1.69B) · First State Bank Of Uvalde ($1.68B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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