Commercial National Bank of Texarkana
Also written as CNB of Texarkana
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Data as of · sourced from FFIEC call reports. How we update
Commercial National Bank of Texarkana is an FDIC-insured commercial bank headquartered in Texarkana, TX, established in 1964 (FDIC certificate 19024), and it is supervised by the OCC. At Q2 2026 it reported total assets of $330.1M, up 3.7% from Q2 2025, the 202nd largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 14.46% 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
- 19024
- Headquarters
- Texarkana, TX
- Established
- 1964
- Total assets, Q2 2026
- $330.1M
- Assets vs Q2 2025
- +3.7%
- CET1 ratio, Q2 2026
- 14.46%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 111924282
- Latest call report
- Q2 2026, FFIEC 041 · Commercial National Bank of Texarkana Q3 2026 call report, filed October 21, 2026 (preliminary)
- Holding company
- COMMERCIAL BANCSHARES, INC.
- Asset rank in state
- 202nd of 346 in Texas
Problem loans are rising at Commercial National Bank of Texarkana. The Texarkana, Texas bank had $330 million in assets at June 30, 2026, up 3.7% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.99% of loans from 0.02% a year earlier. It earns about $2.21 a year on every $100 of assets, higher than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median $1.28). On the other hand, it carries problem assets equal to 20.2% of the capital and reserves that would absorb them, 7.6 times the median of 2.7% for banks its size.
Paper losses on its bond portfolio are shrinking: unrealized losses of $11 million equal 32% of Tier 1 capital, down from 42% a year earlier. Net income for the quarter rose 26% from a year earlier, to $1.8 million. One more trend to watch: loans are outrunning deposits: over the year loans rose 8.4% and deposits rose 2.1%.
As of June 30, 2026, Commercial National Bank of Texarkana reported a CET1 capital ratio of 14.46%, a return on assets of 2.21%, a nonperforming-loan ratio of 1.99% and a Texas ratio of 20.17%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, Commercial National Bank of Texarkana is the 202nd largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.1% to $330.1M, loans rose 3.0% and deposits fell 0.5%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 39.1% of total loans, followed by commercial and industrial loans at 21.6%. The FDIC Summary of Deposits lists 6 offices for it, in Texarkana, AR, Texarkana, TX and Fouke, AR; its Texarkana 3 offices book 71% of its branch deposits. Judged on its Q2 2026 call report, Commercial National Bank of Texarkana meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 5515 Summerhill Rd, Texarkana, TX 75503
- County
- Bowie
- Metro Area
- Texarkana, TX-AR
- 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
- —
- Call Report form
- FFIEC 041
- Established
- February 5, 1964
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 59
- Domestic deposits
- $305.3M
- Allowance for credit losses
- $2.2M
- Net charge-offs (YTD)
- $13K
- Average total assets
- $333.4M
- Average total loans
- $249.4M
- Average interest-bearing deposits
- $227.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- February 5, 1964
- FDIC Cert
- 19024
- Fed RSSD
- 794149
- SEC CIK
- 1935793 → filed by COMMERCIAL BANCSHARES, INC.
- Website
- www.cnbtxk.com →
- Parent Holding Company
- COMMERCIAL BANCSHARES, INC. (RSSD 1118818)
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 National Bank of Texarkana's total assets ran between $303.8M (Q3 2023) and $330.3M (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
$330.1M total assets against $318.5M; $307.6M total liabilities against $300.3M.
$248.5M net loans and leases against $229.2M; $305.3M total deposits against $299.0M.
$64.9M securities against $62.8M; $7.3M cash and balances due against $16.3M.
$4.7M total interest income against $4.3M; $1.0M total interest expense against $1.1M.
$3.7M net interest income against $3.2M.
$455K total noninterest income against $480K; $2.2M total noninterest expense against $2.1M.
$100K provision for credit losses against $150K.
$1.8M net income against $1.5M.
2.21% return on assets against 1.85%; 4.62% net interest margin against 4.30%.
14.46% CET1 capital ratio against 14.52%; 10.01% tier 1 leverage ratio against 9.80%.
Inside the full Commercial National Bank of Texarkana terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCommercial National Bank of Texarkana rankings
Its closest position to the top of a national ranking is 169 of 3,640, for Texas Ratio; its furthest is 2,328 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.20% (Q4 2024) to 2.21% (Q2 2026) and its net interest margin ran from 3.97% (Q4 2024) to 4.62% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.46% | 2.21% | 1.99% | 20.17% | 4.62% |
| Q1 2026 | 14.38% | 2.10% | 2.07% | 20.88% | 4.43% |
| Q4 2025 | 13.88% | 1.90% | 0.04% | 0.40% | 4.62% |
| Q3 2025 | 14.91% | 2.19% | 0.03% | 0.30% | 4.52% |
| Q2 2025 | 14.52% | 1.85% | 0.02% | 0.25% | 4.30% |
| Q1 2025 | 14.76% | 1.61% | 0.00% | 0.00% | 4.07% |
| Q4 2024 | 14.39% | 1.20% | 0.01% | 0.13% | 3.97% |
| Q3 2024 | 14.59% | 1.50% | 0.01% | 0.11% | 3.99% |
Swipe the table sideways to see every column.
Branch Network
View all 6 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 |
|---|---|---|---|
| Fourth Street Branch | Texarkana , AR | 71854 | $181.0M |
| Commercial National Bank of Texarkana (main office) | Texarkana , TX | 75503 | $75.2M |
| East Ninth Street Branch | Texarkana , AR | 71854 | $21.8M |
| Arkansas Boulevard Branch | Texarkana , AR | 71854 | $12.8M |
| Fouke Branch | Fouke , AR | 71837 | $8.4M |
| West 7th Branch | Texarkana , TX | 75501 | $6.1M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- January 7, 2010, OCC: Formal Agreement: Commercial National Bank of Texarkana
- Period: Most recent institution action January 7, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 386 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 61 applications, 48 loans originated, $15.1M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $126K approved, $126K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2003 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 National Bank of Texarkana
What are Commercial National Bank of Texarkana's total assets?
As of the Q2 2026 filing, Commercial National Bank of Texarkana reported total assets of $330.1 million in its FFIEC call report.
Where is Commercial National Bank of Texarkana headquartered?
It is headquartered in Texarkana, TX, United States.
When was Commercial National Bank of Texarkana founded?
It was established in 1964, per the FDIC institution directory.
Is Commercial National Bank of Texarkana FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #19024). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Commercial National Bank of Texarkana?
Commercial National Bank of Texarkana's primary federal regulator is the OCC.
What is Commercial National Bank of Texarkana's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.46% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Commercial National Bank of Texarkana operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Commercial National Bank of Texarkana's Texas Ratio?
Its Texas Ratio is 20.17% 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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