Commercial National Bank of Texarkana: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at Commercial National Bank of Texarkana. The Texarkana, Texas bank had $330 million in assets at June 30, 2026, up 3.7% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.99% of loans from 0.02% a year earlier. It earns about $2.21 a year on every $100 of assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). On the other hand, it carries problem assets equal to 20.2% of the capital and reserves that would absorb them, 7.6 times the median of 2.6% for banks its size.
Paper losses on its bond portfolio are shrinking: unrealized losses of $11 million equal 32% of Tier 1 capital, down from 42% a year earlier. Net income for the quarter rose 26% from a year earlier, to $1.8 million. One more trend to watch: loans are outrunning deposits: over the year loans rose 8.4% and deposits rose 2.1%.
As of June 30, 2026, Commercial National Bank of Texarkana reported a CET1 capital ratio of 14.46%, a return on assets of 2.21%, a nonperforming-loan ratio of 1.99% and a Texas ratio of 20.17%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 5515 Summerhill Rd, Texarkana, TX 75503
- County
- Bowie
- Metro Area
- Texarkana, TX-AR
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- February 5, 1964
- Offices
- 6 domestic
- Employees (FTE)
- 59
- Domestic deposits
- $305.3M
- Allowance for credit losses
- $2.2M
- Net charge-offs (YTD)
- $13K
- Average total assets
- $333.4M
- Average total loans
- $249.4M
- Average interest-bearing deposits
- $227.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- February 5, 1964
- FDIC Cert
- 19024
- Fed RSSD
- 794149
- SEC CIK
- 1935793 → filed by COMMERCIAL BANCSHARES, INC.
- Website
- www.cnbtxk.com →
- Parent Holding Company
- COMMERCIAL BANCSHARES, INC. (RSSD 1118818)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Commercial National Bank of Texarkana terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Commercial National Bank of Texarkana, freeCommercial National Bank of Texarkana rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Commercial National Bank of Texarkana: Texas Ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.46% | 2.21% | 1.99% | 20.17% | 4.62% |
| Q1 2026 | 14.38% | 2.10% | 2.07% | 20.88% | 4.43% |
| Q4 2025 | 13.88% | 1.90% | 0.00% | 0.40% | 4.62% |
| Q3 2025 | 14.91% | 2.19% | 0.03% | 0.30% | 4.52% |
| Q2 2025 | 14.52% | 1.85% | 0.00% | 0.25% | 4.30% |
| Q1 2025 | 14.76% | 1.61% | 0.00% | 0.00% | 4.07% |
| Q4 2024 | 14.39% | 1.20% | 0.00% | 0.13% | 3.97% |
| Q3 2024 | 14.59% | 1.50% | 0.00% | 0.11% | 3.99% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 6 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Fourth Street Branch | Texarkana , AR | 71854 | $181.0M |
| Commercial National Bank of Texarkana (main office) | Texarkana , TX | 75503 | $75.2M |
| East Ninth Street Branch | Texarkana , AR | 71854 | $21.8M |
| Arkansas Boulevard Branch | Texarkana , AR | 71854 | $12.8M |
| Fouke Branch | Fouke , AR | 71837 | $8.4M |
| West 7th Branch | Texarkana , TX | 75501 | $6.1M |
Regulatory record
What the public regulatory sources show for Commercial National Bank of Texarkana, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (OCC)
- January 7, 2010, OCC: Formal Agreement: Commercial National Bank of Texarkana
- Period: Most recent institution action January 7, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 386 of 447 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 61 applications, 48 loans originated, $15.1M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $126K approved, $126K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2003 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Commercial National Bank of Texarkana
What are Commercial National Bank of Texarkana's total assets?
As of the Q2 2026 filing, Commercial National Bank of Texarkana reported total assets of $330.1 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Commercial National Bank of Texarkana headquartered?
Commercial National Bank of Texarkana is headquartered in Texarkana, TX, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Commercial National Bank of Texarkana founded?
Commercial National Bank of Texarkana was established in 1964, per the FDIC institution directory.
Is Commercial National Bank of Texarkana FDIC-insured?
Yes. Commercial National Bank of Texarkana is an FDIC-insured commercial bank (FDIC Certificate #19024). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Commercial National Bank of Texarkana?
Commercial National Bank of Texarkana's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Commercial National Bank of Texarkana's CET1 capital ratio?
Commercial National Bank of Texarkana reported a Common Equity Tier 1 (CET1) capital ratio of 14.46% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Commercial National Bank of Texarkana operate?
Commercial National Bank of Texarkana operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Commercial National Bank of Texarkana's Texas Ratio?
Commercial National Bank of Texarkana's Texas Ratio is 20.17% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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