COMMERCIAL BANK OF TEXAS, N.A.

NACOGDOCHES, TX | Large | Est. Oct. 14, 1901, midnight | FDIC #1209 | RSSD #885869 | OCC
Latest Report: 2025-12-31

COMMERCIAL BANK OF TEXAS, N.A. is aln large FDIC-insured commercial bank headquartered in NACOGDOCHES, TX, established in Oct. 14, 1901, midnight. As of 2025-12-31, the bank reported total assets of $1.6B and total deposits of $1.5B. Profitability stands at 1.51% ROA and 15.58% ROE, with a net interest margin of 4.45%. The bank's CET1 capital ratio is 15.36%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.02% and a Texas Ratio of 0.31%. FDIC Certificate #1209.

Assets

$1.6B

Deposits

$1.5B

Loans

$1.1B

Equity

$162M

Profitability

Return on Assets (ROA) 1.51%
Return on Equity (ROE) 15.58%
Net Interest Margin (NIM) 4.45%
Yield on Assets 6.11%
Cost of Funds 2.30%

Asset Quality

NPL Ratio 0.02%
Net Charge-Off Ratio 0.05%
Texas Ratio 0.31%
NPA Ratio 0.03%
ACL / Loans 1.50%

Capital & Liquidity

CET1 Ratio 15.36%
Tier 1 Capital 15.36%
Total Capital Ratio 16.61%
Leverage Ratio 10.22%
Loan-to-Deposit 76.25%

This is just the summary

The full dashboard covers 4,313 currently filing institutions with CAMELS analytics, peer benchmarks, and exportable tearsheets.

24+ years of history
Excel tearsheet exports
Peer benchmarking
Risk & failure probability
Create Free Account

No credit card required