Commercial Bank of Texas, N.A.
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Data as of · sourced from FFIEC call reports. How we update
Commercial Bank of Texas, N.A. is an FDIC-insured commercial bank headquartered in Nacogdoches, TX, established in 1901 (FDIC certificate 1209), and it is supervised by the OCC. At Q2 2026 it reported total assets of $1.69B, up 5.8% from Q2 2025, the 59th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 15.44% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 1209
- Headquarters
- Nacogdoches, TX
- Established
- 1901
- Total assets, Q2 2026
- $1.69B
- Assets vs Q2 2025
- +5.8%
- CET1 ratio, Q2 2026
- 15.44%
- Domestic offices
- 24 FDIC institution directory, current count
- Routing number
- 113102714
- Latest call report
- Q2 2026, FFIEC 051 · Commercial Bank of Texas, N.A. call report
- Holding company
- NACOGDOCHES COMMERCIAL BANCSHARES, INC.
- Asset rank in state
- 59th of 346 in Texas
Little in Commercial Bank of Texas, N.A.'s latest call report stands out. The Nacogdoches, Texas bank had $1.7 billion in assets at June 30, 2026, up 5.8% from a year earlier. On most measures it sits near the middle of the 895 banks with $1 billion to $10 billion in assets.
Net income for the quarter rose 13% from a year earlier, to $6.7 million. Over the same year, loans grew 11.7% and deposits grew 4.3%.
As of June 30, 2026, Commercial Bank of Texas, N.A. reported a CET1 capital ratio of 15.44%, a return on assets of 1.57%, a nonperforming-loan ratio of 0.14% and a Texas ratio of 1.58%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, Commercial Bank of Texas, N.A. is the 59th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 1.2% to $1.69B, loans rose 2.0% and deposits fell 1.7%. 1-4 family residential loans made up 29.0% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 20.5%. Its 24 offices in the FDIC Summary of Deposits are in 18 cities in TX; its Nacogdoches 5 offices book 34% of its branch deposits. Judged on its Q2 2026 call report, Commercial Bank of Texas, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 215 E Main St, Nacogdoches, TX 75961
- County
- Nacogdoches
- Metro Area
- Nacogdoches, TX
- 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
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- October 14, 1901
- Domestic offices
- 24 FDIC institution directory, current count
- Employees (FTE)
- 273
- Domestic deposits
- $1.50B
- Allowance for credit losses
- $17.6M
- Net charge-offs (YTD)
- $622K
- Average total assets
- $1.71B
- Average total loans
- $1.16B
- Average interest-bearing deposits
- $1.15B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1209
- Fed RSSD
- 885869
- Website
- www.cbtx.com →
- Parent Holding Company
- NACOGDOCHES COMMERCIAL BANCSHARES, INC. (RSSD 1107595)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Commercial Bank of Texas, N.A.'s total assets ran between $1.34B (Q3 2023) and $1.71B (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.69B total assets against $1.59B; $1.51B total liabilities against $1.45B.
$1.16B net loans and leases against $1.03B; $1.50B total deposits against $1.44B.
$355.3M securities against $320.4M; $107.4M cash and balances due against $174.3M.
$23.6M total interest income against $20.8M; $6.1M total interest expense against $6.0M.
$17.5M net interest income against $14.8M.
$4.1M total noninterest income against $4.1M; $12.1M total noninterest expense against $10.8M.
$800K provision for credit losses against $650K.
$6.7M net income against $5.9M.
1.57% return on assets against 1.52%; 4.20% net interest margin against 3.91%.
15.44% CET1 capital ratio against 15.11%; 10.60% tier 1 leverage ratio against 10.06%.
Inside the full Commercial Bank of Texas, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCommercial Bank of Texas, N.A. rankings
Its closest position to the top of a national ranking is 662 of 4,196, for total assets; its furthest is 2,435 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.32% (Q1 2025) to 1.62% (Q1 2026) and its net interest margin ran from 3.53% (Q3 2024) to 4.20% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.44% | 1.57% | 0.14% | 1.58% | 4.20% |
| Q1 2026 | 15.36% | 1.62% | 0.13% | 1.14% | 4.14% |
| Q4 2025 | 15.36% | 1.49% | 0.13% | 1.00% | 4.17% |
| Q3 2025 | 15.47% | 1.53% | 0.14% | 1.19% | 3.89% |
| Q2 2025 | 15.11% | 1.52% | 0.12% | 0.92% | 3.91% |
| Q1 2025 | 14.66% | 1.32% | 0.20% | 1.54% | 3.71% |
| Q4 2024 | 14.71% | 1.34% | 0.13% | 1.07% | 3.72% |
| Q3 2024 | 15.06% | 1.38% | 0.11% | 0.92% | 3.53% |
Swipe the table sideways to see every column.
Branch Network
View all 24 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Commercial Bank of Texas, National Association | Nacogdoches , TX | 75961 | $409.6M |
| South First Street Branch | Lufkin , TX | 75901 | $190.9M |
| Emory Branch | Emory , TX | 75440 | $108.4M |
| Tulane Branch | Lufkin , TX | 75901 | $95.6M |
| San Augustine Branch | San Augustine , TX | 75972 | $80.3M |
| Gaslight Branch | Lufkin , TX | 75904 | $74.1M |
| Elkhart Branch | Elkhart , TX | 75839 | $63.7M |
| Mckinney Banking Center Branch | Mckinney , TX | 75070 | $59.8M |
| Stallings Branch | Nacogdoches , TX | 75965 | $56.2M |
| Bedford Branch | Bedford , TX | 76022 | $48.9M |
| Farmersville Branch | Farmersville , TX | 75442 | $39.9M |
| James Starr Branch | Nacogdoches , TX | 75961 | $39.4M |
| Cushing Branch | Cushing , TX | 75760 | $38.7M |
| Wells Branch | Wells , TX | 75976 | $35.8M |
| Allen Branch | Allen , TX | 75013 | $35.2M |
| Kennard Branch | Kennard , TX | 75847 | $32.0M |
| Palestin Banking Center Branch | Palestine , TX | 75801 | $29.3M |
| Lewisville Banking Center Branch | Lewisville , TX | 75057 | $23.1M |
| Roxton Branch | Roxton , TX | 75477 | $14.1M |
| Diboll Branch | Diboll , TX | 75941 | $11.8M |
| Alba Branch | Alba , TX | 75410 | $9.6M |
| Beaumont Banking Center Branch | Beaumont , TX | 77706 | $3.8M |
| Mobile Branch | Nacogdoches , TX | 75961 | $0 |
| Stephen F Austin State University Branch | Nacogdoches , TX | 75962 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| September 17, 2016 | Structure Change | Acquired The First National Bank of Emory Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 16, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 26, 2015 | Structure Change | Acquired The Elkhart State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 31, 1998 | Structure Change | Acquired The Bank of East Texas, S.S.B. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 30, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 20, 1991 | Structure Change | Acquired Superior Savings Bank, F.S.B. Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| July 19, 1991 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 7 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 83 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 6 loans, $3.3M approved, $550K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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 Q2 2026 filing, Commercial Bank of Texas, N.A. reported total assets of $1.69 billion in its FFIEC call report.
Where is Commercial Bank of Texas, N.A. headquartered?
It is headquartered in Nacogdoches, TX, United States.
When was Commercial Bank of Texas, N.A. founded?
It was established in 1901, per the FDIC institution directory.
Is Commercial Bank of Texas, N.A. FDIC-insured?
Yes. It 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.
What is Commercial Bank of Texas, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.44% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Commercial Bank of Texas, N.A. operate?
It operates 24 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Commercial Bank of Texas, N.A.'s Texas Ratio?
Its Texas Ratio is 1.58% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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