COMMERCIAL BANK OF TEXAS, N.A.
COMMERCIAL BANK OF TEXAS, N.A. is an FDIC-insured commercial bank headquartered in NACOGDOCHES, TX, established in 1901. As of , 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 4.19%. CET1 capital ratio: 15.36%, well above regulatory minimums. NPL ratio: 0.18% · Texas Ratio: 1.32%. Operates 23 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
Commercial Bank of Texas, N.A. rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
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 |
|---|---|---|---|---|---|
| 2025-12-31 | 15.36% | 1.51% | 0.18% | 1.32% | 4.19% |
| 2025-09-30 | 15.47% | 1.54% | 0.18% | 1.41% | 3.92% |
| 2025-06-30 | 15.11% | 1.51% | 0.19% | 1.37% | 3.90% |
| 2025-03-31 | 14.66% | 1.31% | 0.19% | 1.41% | 3.72% |
| 2024-12-31 | 14.72% | 1.35% | 0.22% | 1.63% | 3.73% |
| 2024-09-30 | 15.06% | 1.39% | 0.26% | 1.88% | 3.53% |
| 2024-06-30 | 14.71% | 1.31% | 0.28% | 2.21% | 3.52% |
| 2024-03-31 | 14.73% | 1.13% | 0.26% | 2.14% | 3.37% |
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Frequently asked about COMMERCIAL BANK OF TEXAS, N.A.
What are Commercial Bank of Texas, N.A.'s total assets?
As of the Q4 2025 filing, Commercial Bank of Texas, N.A. reported total assets of $1.63 billion in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Commercial Bank of Texas, N.A. headquartered?
Commercial Bank of Texas, N.A. is headquartered in NACOGDOCHES, TX, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Commercial Bank of Texas, N.A. founded?
Commercial Bank of Texas, N.A. was established in 1901, per the FDIC institution directory.
Is Commercial Bank of Texas, N.A. FDIC-insured?
Yes. Commercial Bank of Texas, N.A. is an FDIC-insured commercial bank (FDIC Certificate #1209). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Commercial Bank of Texas, N.A.?
Commercial Bank of Texas, N.A.'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 Bank of Texas, N.A.'s CET1 capital ratio?
Commercial Bank of Texas, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 15.36% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Commercial Bank of Texas, N.A. operate?
Commercial Bank of Texas, N.A. operates 23 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Commercial Bank of Texas, N.A.'s Texas Ratio?
Commercial Bank of Texas, N.A.'s Texas Ratio is 1.32% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.