Commercial National Bank of Texarkana: 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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 2.84 percentage points higher than in Q1 2026, at 82.12%. Commercial National Bank of Texarkana ranks 45th of 345 Texas banks on return on assets, in the upper half at 2.21% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, Commercial National Bank of Texarkana reported 2.21% on return on assets in Q2 2026, 0.96 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.46% |
| Tier 1 risk-based capital ratio | 14.46% |
| Total risk-based capital ratio | 15.63% |
| Tier 1 leverage ratio | 10.01% |
| Equity capital to assets | 6.83% |
| Tangible equity to tangible assets | 6.83% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.99% |
| Non-performing assets ratio | 1.51% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 20.17% |
| Allowance for credit losses to loans | 0.87% |
| Reserve coverage of non-performing loans | 43.91% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.21% |
| Return on equity | 33.06% |
| Net interest margin | 4.62% |
| Efficiency ratio | 52.87% |
| Yield on earning assets | 5.90% |
| Cost of funds | 1.31% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 82.12% |
| Core deposits to total deposits | 82.99% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 92.48% |
| Securities to assets | 19.64% |
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 | 13.62% | 13.62% | 14.79% | 9.27% | 1.78% |
| Q4 2023 | 13.45% | 13.45% | 14.62% | 9.25% | 1.29% |
| Q1 2024 | 13.81% | 13.81% | 15.00% | 9.46% | 1.41% |
| Q2 2024 | 14.13% | 14.13% | 15.34% | 9.45% | 1.52% |
| Q3 2024 | 14.59% | 14.59% | 15.79% | 9.66% | 1.50% |
| Q4 2024 | 14.39% | 14.39% | 15.54% | 9.34% | 1.20% |
| Q1 2025 | 14.76% | 14.76% | 15.89% | 9.85% | 1.61% |
| Q2 2025 | 14.52% | 14.52% | 15.68% | 9.80% | 1.85% |
| Q3 2025 | 14.91% | 14.91% | 16.05% | 10.00% | 2.19% |
| Q4 2025 | 13.88% | 13.88% | 14.97% | 9.64% | 1.90% |
| Q1 2026 | 14.38% | 14.38% | 15.52% | 10.02% | 2.10% |
| Q2 2026 | 14.46% | 14.46% | 15.63% | 10.01% | 2.21% |
Commercial National Bank of Texarkana vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Commercial National Bank of Texarkana, 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 National Bank of Texarkana profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19024) · FFIEC NIC profile (RSSD 794149)