Commercial National Bank of Texarkana: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Commercial National Bank of Texarkana of Texarkana, TX against its peer group of 2601 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 | 2.21% | 1.34% | +0.87% | 90th top |
| ROAE | 33.06% | 13.32% | +19.74% | 98th top |
| Net Interest Margin | 4.62% | 3.93% | +0.69% | 83rd top |
| Efficiency Ratio | 52.87% | 61.13% | -8.26% | 75th top |
| PPNR / Avg Assets | 2.33% | 1.68% | +0.65% | 84th top |
| Yield on Earning Assets | 5.90% | 5.67% | +0.23% | 64th above |
| Cost of Funds | 1.31% | 1.88% | -0.57% | 79th top |
| Net Interest Spread | 4.09% | 3.32% | +0.77% | 86th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.99% | 0.94% | +1.05% | 13th bottom |
| NPA / Total Assets | 1.51% | 0.70% | +0.81% | 12th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 38th below |
| ACL / Total Loans | 0.87% | 1.28% | -0.41% | 15th bottom |
| ACL / NPLs (Coverage) | 43.91% | 1546.64% | -1502.73% | 8th bottom |
| Texas Ratio | 20.17% | 7.33% | +12.84% | 8th bottom |
| Provision / NCO | 1538.46% | 1394.77% | +143.69% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.46% | 19.49% | -5.03% | 44th below |
| Tier 1 Ratio | 14.46% | 19.52% | -5.06% | 43rd below |
| Total Capital Ratio | 15.63% | 20.61% | -4.98% | 44th below |
| Leverage Ratio | 10.01% | 12.14% | -2.13% | 32nd below |
| Equity / Assets | 6.83% | 11.37% | -4.54% | 6th bottom |
| TCE / Tangible Assets | 6.83% | 11.08% | -4.25% | 7th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 82.12% | 80.66% | +1.46% | 47th below |
| Core Deposit Ratio | 82.99% | 86.85% | -3.86% | 24th bottom |
| Wholesale Funding Ratio | 0.30% | 5.04% | -4.74% | 93rd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.66% | 6.84% | -3.18% | 44th below |
| Loan Growth (Y/Y) | 8.43% | 7.92% | +0.51% | 67th above |
| Deposit Growth (Y/Y) | 2.12% | 6.29% | -4.17% | 36th below |
See Commercial National Bank of Texarkana's peers by name
The 2601 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Commercial National Bank of Texarkana, 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 National Bank of Texarkana profile, how to read a UBPR, or how this data updates.