Community National Bank & Trust of Texas: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Community National Bank & Trust of Texas of Corsicana, TX against its peer group of 931 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 | 1.71% | 1.44% | +0.27% | 78th top |
| ROAE | 14.94% | 12.50% | +2.44% | 70th above |
| Net Interest Margin | 4.56% | 3.84% | +0.72% | 89th top |
| Efficiency Ratio | 55.51% | 58.88% | -3.37% | 60th above |
| PPNR / Avg Assets | 2.18% | 1.78% | +0.40% | 77th top |
| Yield on Earning Assets | 6.13% | 5.71% | +0.42% | 81st top |
| Cost of Funds | 1.64% | 2.03% | -0.39% | 74th above |
| Net Interest Spread | 3.75% | 3.18% | +0.57% | 85th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.60% | 0.96% | -0.36% | 51st above |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.62% | 0.75% | -0.13% | 41st below |
| NCO / Avg Loans | 0.00% | 0.31% | -0.31% | 71st above |
| ACL / Total Loans | 1.31% | 1.25% | +0.06% | 72nd above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 219.28% | 699.37% | -480.09% | 58th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.81% | 7.16% | -1.35% | 43rd below |
| Provision / NCO | 63.97% | 815.53% | -751.56% | 22nd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 10.62% | 11.60% | -0.98% | 53rd above |
| Equity / Assets | 11.66% | 11.33% | +0.33% | 71st above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 9.88% | 10.65% | -0.77% | 53rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 84.21% | 86.35% | -2.14% | 60th above |
| Core Deposit Ratio | 91.88% | 85.55% | +6.33% | 67th above |
| Uninsured Deposit Ratio | 37.82% | 32.70% | +5.12% | 32nd below |
| Wholesale Funding Ratio | 2.97% | 5.46% | -2.49% | 57th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.69% | 10.46% | -3.77% | 60th above |
| Loan Growth (Y/Y) | 2.37% | 8.00% | -5.63% | 31st below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.16% | 7.98% | -1.82% | 59th above |
See Community National Bank & Trust of Texas's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Community National Bank & Trust of Texas, 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 Community National Bank & Trust of Texas profile, how to read a UBPR, or how this data updates.