Commercial Bank of Texas, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Commercial Bank of Texas, N.A. of Nacogdoches, TX against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.57% | 1.44% | +0.13% | 70th above |
| ROAE | 15.90% | 12.50% | +3.40% | 76th top |
| Net Interest Margin | 4.20% | 3.84% | +0.36% | 79th top |
| Efficiency Ratio | 55.92% | 58.87% | -2.95% | 58th above |
| PPNR / Avg Assets | 2.22% | 1.78% | +0.44% | 79th top |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.68% | 5.71% | -0.03% | 59th above |
| Cost of Funds | 1.61% | 2.03% | -0.42% | 75th top |
| Net Interest Spread | 3.53% | 3.18% | +0.35% | 78th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.20% | 0.96% | -0.76% | 81st top |
| NPA / Total Assets | 0.22% | 0.75% | -0.53% | 74th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.15% | 0.31% | -0.16% | 23rd bottom |
| ACL / Total Loans | 1.50% | 1.25% | +0.25% | 86th top |
| ACL / NPLs (Coverage) | 736.84% | 698.80% | +38.04% | 87th top |
| Texas Ratio | 2.23% | 7.17% | -4.94% | 75th top |
| Provision / NCO Behind the peer average, ahead of the median peer. | 257.23% | 815.27% | -558.04% | 65th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.44% | 17.41% | -1.97% | 74th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.44% | 17.45% | -2.01% | 74th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 16.69% | 18.50% | -1.81% | 75th top |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 10.60% | 11.60% | -1.00% | 53rd above |
| Equity / Assets | 10.18% | 11.33% | -1.15% | 46th below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 9.99% | 10.65% | -0.66% | 55th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 78.20% | 86.36% | -8.16% | 74th above |
| Core Deposit Ratio | 92.08% | 85.55% | +6.53% | 69th above |
| Uninsured Deposit Ratio | 29.50% | 32.71% | -3.21% | 56th above |
| Wholesale Funding Ratio | 0.00% | 5.46% | -5.46% | 99th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.80% | 10.46% | -4.66% | 54th above |
| Loan Growth (Y/Y) | 11.70% | 7.99% | +3.71% | 78th top |
| Deposit Growth (Y/Y) | 4.31% | 7.98% | -3.67% | 47th below |
See Commercial Bank of Texas, N.A.'s peers by name
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Unlock Commercial Bank of Texas, N.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Commercial Bank of Texas, N.A. profile, how to read a UBPR, or how this data updates.