The Commercial Bank (Mason, TX)
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Data as of · sourced from FFIEC call reports. How we update
The Commercial Bank is an FDIC-insured commercial bank headquartered in Mason, TX, established in 1966 (FDIC certificate 19595), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $114.6M, up 2.4% from Q2 2025, the 302nd largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.95% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 19595
- Headquarters
- Mason, TX
- Established
- 1966
- Total assets, Q2 2026
- $114.6M
- Assets vs Q2 2025
- +2.4%
- Tier 1 leverage ratio, Q2 2026
- 9.95%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 114905499
- Latest call report
- Q2 2026, FFIEC 051 · The Commercial Bank call report
- Holding company
- COMMERCIAL COMPANY, INC.
- Asset rank in state
- 302nd of 346 in Texas
The Commercial Bank, based in Mason, Texas, reported $115 million in assets at June 30, 2026, up 2.4% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 2.6%). It also returns 19.1% a year on shareholders' equity, higher than about three-quarters of banks its size (median 12.5%).
Paper losses on its bond portfolio are shrinking: unrealized losses of $1.8 million equal 16% of Tier 1 capital, down from 27% a year earlier.
As of June 30, 2026, The Commercial Bank reported a return on assets of 1.65%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
The Commercial Bank ranks as the 302nd largest of the 346 banks based in Texas, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.4% to $114.6M, loans rose 0.1% and deposits fell 0.2%. 1-4 family residential loans made up 50.0% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 16.8%. Its one office in the FDIC Summary of Deposits is in Mason, TX. By the capital ratios in its Q2 2026 call report, The Commercial Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 100 Moody St, Mason, TX 76856
- County
- Mason
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- April 4, 1966
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 12
- Domestic deposits
- $99.1M
- Allowance for credit losses
- $552K
- Net charge-offs (YTD)
- $0
- Average total assets
- $116.7M
- Average total loans
- $44.6M
- Average interest-bearing deposits
- $78.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 26, 1966
- FDIC Cert
- 19595
- Fed RSSD
- 491653
- Website
- http://www.tcbmason.com →
- Parent Holding Company
- COMMERCIAL COMPANY, INC. (RSSD 1104624)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, The Commercial Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The Commercial Bank's total assets ran between $103.6M (Q3 2023) and $114.6M (Q2 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
$114.6M total assets against $112.0M; $104.4M total liabilities against $103.2M.
$44.1M net loans and leases against $44.4M; $99.1M total deposits against $100.3M.
$64.3M securities against $54.9M; $3.0M cash and balances due against $9.1M.
$1.5M total interest income against $1.4M; $469K total interest expense against $507K.
$1.0M net interest income against $940K.
$56K total noninterest income against $36K; $561K total noninterest expense against $451K.
$0 provision for credit losses against $0.
$482K net income against $455K.
1.65% return on assets against 1.61%; 3.80% net interest margin against 3.57%.
9.95% tier 1 leverage ratio against 9.87%.
Inside the full The Commercial Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Commercial Bank rankings
Its closest position to the top of a national ranking is 711 of 3,606, for efficiency ratio; its furthest is 3,622 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.12% (Q3 2024) to 1.65% (Q2 2026) and its net interest margin ran from 3.27% (Q3 2024) to 3.90% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.95% | 1.65% | 0.00% | 0.00% | 3.80% |
| Q1 2026 | 9.69% | 1.40% | 0.00% | 0.00% | 3.74% |
| Q4 2025 | 10.32% | 1.54% | 0.00% | 0.00% | 3.75% |
| Q3 2025 | 10.05% | 1.57% | 0.00% | 0.00% | 3.90% |
| Q2 2025 | 9.87% | 1.61% | 0.00% | 0.00% | 3.57% |
| Q1 2025 | 10.16% | 1.35% | 0.00% | 0.00% | 3.40% |
| Q4 2024 | 10.23% | 1.14% | 0.04% | 0.18% | 3.37% |
| Q3 2024 | 10.22% | 1.12% | 0.00% | 0.00% | 3.27% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| The Commercial Bank | Mason , TX | 76856 | $99.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 369 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 3 loans, $179K approved, $60K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2004 (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 The Commercial Bank
What are The Commercial Bank's total assets?
As of the Q2 2026 filing, The Commercial Bank reported total assets of $114.6 million in its FFIEC call report.
Where is The Commercial Bank headquartered?
It is headquartered in Mason, TX, United States.
When was The Commercial Bank founded?
It was established in 1966, per the FDIC institution directory.
Is The Commercial Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #19595). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Commercial Bank?
The Commercial Bank's primary federal regulator is the FDIC.
How many branches does The Commercial Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Commercial Bank's Texas Ratio?
Its Texas Ratio is 0.00% 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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