Community National Bank & Trust of Texas
Also written as CNB&T of Texas
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Data as of · sourced from FFIEC call reports. How we update
Community National Bank & Trust of Texas is an FDIC-insured commercial bank headquartered in Corsicana, TX, established in 1934 (FDIC certificate 18185), and it is supervised by the OCC. At Q2 2026 it reported total assets of $1.68B, up 6.7% from Q2 2025, the 61st largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.62% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 18185
- Headquarters
- Corsicana, TX
- Established
- 1934
- Total assets, Q2 2026
- $1.68B
- Assets vs Q2 2025
- +6.7%
- Tier 1 leverage ratio, Q2 2026
- 10.62%
- Domestic offices
- 18 FDIC institution directory, current count
- Routing number
- 111920765
- Latest call report
- Q2 2026, FFIEC 051 · Community National Bank & Trust of Texas Q3 2026 call report, filed October 22, 2026 (preliminary)
- Holding company
- COMMUNITY BANK HOLDINGS OF TEXAS, INC.
- Asset rank in state
- 61st of 346 in Texas
Community National Bank & Trust of Texas earns an unusually wide margin on its lending. Its balance sheet stood at $1.7 billion at June 30, 2026, up 6.7% from a year earlier; it is based in Corsicana, Texas. It keeps 4.56 cents of net interest income on every dollar of earning assets, higher than about three-quarters of the 880 banks with $1 billion to $10 billion in assets (median 3.71 cents). On the other hand, it holds commercial real estate loans worth 3.3 times its capital, higher than about three-quarters of banks its size (median 2.2 times).
Earnings jumped: net income for the quarter was $7.2 million, 71% above the same quarter a year earlier. Its $156 million commercial and industrial book is improving, with 0.02% past due or on nonaccrual, down from 1.43% a year earlier.
As of June 30, 2026, Community National Bank & Trust of Texas reported a return on assets of 1.71%, a nonperforming-loan ratio of 0.09% and a Texas ratio of 2.41%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, Community National Bank & Trust of Texas is the 61st largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.3% to $1.68B, loans rose 1.7% and deposits fell 0.2%. Non-owner-occupied commercial real estate loans made up 32.2% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 20.1%. Its 18 offices in the FDIC Summary of Deposits are in 16 cities in TX; its Corsicana 2 offices book 28% of its branch deposits. On its Q2 2026 call report, Community National Bank & Trust of Texas meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 321 N 15th St, Corsicana, TX 75110
- County
- Navarro
- Metro Area
- Corsicana, TX
- 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
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1934
- Former names
- Corsicana National Bank & Trust (1996-2008); Corsicana National Bank (1964-1996)
- Domestic offices
- 18 FDIC institution directory, current count
- Employees (FTE)
- 247
- Domestic deposits
- $1.42B
- Allowance for credit losses
- $15.7M
- Net charge-offs (YTD)
- $469K
- Average total assets
- $1.68B
- Average total loans
- $1.19B
- Average interest-bearing deposits
- $983.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 29, 1960
- FDIC Cert
- 18185
- Fed RSSD
- 738769
- SEC CIK
- 1886487 → filed by COMMUNITY BANK HOLDINGS OF TEXAS, INC.
- Website
- WWW.MYBANKTX.COM →
- Parent Holding Company
- COMMUNITY BANK HOLDINGS OF TEXAS, INC. (RSSD 1104017)
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, Community National Bank & Trust of Texas reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Community National Bank & Trust of Texas's total assets moved between a low of $1.23B (Q3 2023) and a high of $1.68B (Q2 2026) from Q3 2023 to 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
$1.68B total assets against $1.58B; $1.49B total liabilities against $1.40B.
$1.18B net loans and leases against $1.16B; $1.42B total deposits against $1.34B.
$145.4M securities against $158.5M; $221.2M cash and balances due against $131.8M.
$23.7M total interest income against $28.1M; $6.1M total interest expense against $8.6M.
$17.6M net interest income against $19.5M.
$3.2M total noninterest income against $3.5M; $11.7M total noninterest expense against $17.3M.
$150K provision for credit losses against $406K.
$7.2M net income against $4.2M.
1.71% return on assets against 1.05%; 4.56% net interest margin against 5.32%.
10.62% tier 1 leverage ratio against 10.16%.
Inside the full Community National Bank & Trust of Texas terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Community National Bank & Trust of Texas rankings
Its closest position to the top of a national ranking is 664 of 4,196, for total assets; its furthest is 2,087 of 3,640, for Texas Ratio.
Banks merged into Community National Bank & Trust of Texas
- CapTex Bank, effective June 7, 2025
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.05% (Q2 2025) to 1.71% (Q2 2026) and its net interest margin ran from 3.23% (Q4 2025) to 5.32% (Q2 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.62% | 1.71% | 0.09% | 2.41% | 4.56% |
| Q1 2026 | 10.44% | 1.62% | 0.17% | 5.10% | 4.44% |
| Q4 2025 | 10.25% | 1.37% | 0.03% | 4.14% | 3.23% |
| Q3 2025 | 10.36% | 1.21% | 0.04% | 4.58% | 4.36% |
| Q2 2025 | 10.16% | 1.05% | 0.04% | 4.76% | 5.32% |
| Q1 2025 | 12.45% | 1.17% | 0.98% | 5.64% | 4.09% |
| Q4 2024 | 12.26% | 1.40% | 0.99% | 5.67% | 4.10% |
| Q3 2024 | 12.02% | 1.31% | 0.11% | 0.64% | 4.05% |
Swipe the table sideways to see every column.
Branch Network
View all 18 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 |
|---|---|---|---|
| Community National Bank & Trust of Texas (main office) | Corsicana , TX | 75110 | $328.0M |
| Fairfield Branch | Fairfield , TX | 75840 | $180.9M |
| 06 Weatherford Branch | Weatherford , TX | 76086 | $132.9M |
| Mineral Wells Branch | Mineral Wells , TX | 76067 | $124.2M |
| Star Bank of Texas Branch | Lake Worth , TX | 76135 | $115.8M |
| Trenton Branch | Trenton , TX | 75490 | $75.3M |
| Community National Bank & Trust of Texas, Waxahachie Branch | Waxahachie , TX | 75165 | $66.0M |
| Corsicana National Bank & TrustBranch | Corsicana , TX | 75109 | $65.6M |
| Centerville Branch | Centerville , TX | 75833 | $60.4M |
| Captex Branch | Fort Worth , TX | 76102 | $57.8M |
| Bonham Branch | Bonham , TX | 75418 | $50.5M |
| Buffalo Branch | Buffalo , TX | 75831 | $48.3M |
| Garitty Branch | Frost , TX | 76641 | $28.9M |
| Melissa Branch | Melissa , TX | 75454 | $27.2M |
| Leonard Branch | Leonard , TX | 75452 | $23.9M |
| Red Oak Branch | Red Oak , TX | 75154 | $18.0M |
| Possum Kingdom Lake Branch | Graford , TX | 76449 | $16.1M |
| Mineral Wells Drive-Thru Branch | Mineral Wells , TX | 76067 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| June 7, 2025 | Structure Change | Acquired CapTex Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 6, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 11, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 11, 2016 | Structure Change | Acquired Star Bank of Texas Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 13, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 13, 2013 | Structure Change | Acquired First State Bank of Mineral Wells Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 17, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 17, 2008 | Structure Change | Acquired First National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 2, 1960 | Structure Change | Acquired First NB in Richland Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 9 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 87 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 146 applications, 129 loans originated, $37.4M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $5.0M approved, $5.0M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Community National Bank & Trust of Texas
What are Community National Bank & Trust of Texas's total assets?
As of the Q2 2026 filing, Community National Bank & Trust of Texas reported total assets of $1.68 billion in its FFIEC call report.
Where is Community National Bank & Trust of Texas headquartered?
It is headquartered in Corsicana, TX, United States.
When was Community National Bank & Trust of Texas founded?
It was established in 1934, per the FDIC institution directory.
Is Community National Bank & Trust of Texas FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #18185). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Community National Bank & Trust of Texas?
Community National Bank & Trust of Texas's primary federal regulator is the OCC.
How many branches does Community National Bank & Trust of Texas operate?
It operates 18 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Community National Bank & Trust of Texas's Texas Ratio?
Its Texas Ratio is 2.41% 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.
What was Community National Bank & Trust of Texas previously called?
The charter now named Community National Bank & Trust of Texas has also operated as Corsicana National Bank & Trust (1996-2008), Corsicana National Bank (1964-1996), per FDIC structure-change records.
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