Commercial Bank of Texas, N.A.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 117.10 percentage points in Q2 2026, from 853.94% to 736.84%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Commercial Bank of Texas, N.A. is 157th of 345 on return on assets, 1.57% as of Q2 2026, above the middle of the field. Commercial Bank of Texas, N.A. reported 1.57% on return on assets for Q2 2026, 0.29 points above the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.44% |
| Tier 1 risk-based capital ratio | 15.44% |
| Total risk-based capital ratio | 16.69% |
| Tier 1 leverage ratio | 10.60% |
| Equity capital to assets | 10.18% |
| Tangible equity to tangible assets | 9.99% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.20% |
| Non-performing assets ratio | 0.22% |
| Net charge-off ratio | 0.15% |
| Texas ratio | 2.23% |
| Allowance for credit losses to loans | 1.50% |
| Reserve coverage of non-performing loans | 736.84% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.57% |
| Return on equity | 15.90% |
| Net interest margin | 4.20% |
| Efficiency ratio | 55.92% |
| Yield on earning assets | 5.68% |
| Cost of funds | 1.61% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.20% |
| Core deposits to total deposits | 92.08% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.00% |
| Securities to assets | 21.07% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.42% | 14.42% | 15.68% | 9.56% | 1.24% |
| Q4 2023 | 14.50% | 14.50% | 15.75% | 9.75% | 1.22% |
| Q1 2024 | 14.73% | 14.73% | 15.99% | 9.76% | 1.12% |
| Q2 2024 | 14.71% | 14.71% | 15.96% | 9.72% | 1.30% |
| Q3 2024 | 15.06% | 15.06% | 16.31% | 9.94% | 1.38% |
| Q4 2024 | 14.71% | 14.71% | 15.97% | 9.75% | 1.34% |
| Q1 2025 | 14.66% | 14.66% | 15.91% | 10.05% | 1.32% |
| Q2 2025 | 15.11% | 15.11% | 16.36% | 10.06% | 1.52% |
| Q3 2025 | 15.47% | 15.47% | 16.72% | 9.99% | 1.53% |
| Q4 2025 | 15.36% | 15.36% | 16.61% | 10.22% | 1.49% |
| Q1 2026 | 15.36% | 15.36% | 16.61% | 10.39% | 1.62% |
| Q2 2026 | 15.44% | 15.44% | 16.69% | 10.60% | 1.57% |
Commercial Bank of Texas, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Commercial Bank of Texas, N.A., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Commercial Bank of Texas, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1209) · FFIEC NIC profile (RSSD 885869)