Community National Bank & Trust of Texas: 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 Reserve coverage of non-performing loans: 28.51 percentage points higher than in Q1 2026, at 219.28%. Community National Bank & Trust of Texas ranks 122nd of 345 Texas banks on return on assets, in the upper half at 1.71% (Q2 2026). Community National Bank & Trust of Texas reported 1.71% on return on assets for Q2 2026, 0.43 points above the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.62% |
| Equity capital to assets | 11.66% |
| Tangible equity to tangible assets | 9.88% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.60% |
| Non-performing assets ratio | 0.62% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 5.81% |
| Allowance for credit losses to loans | 1.31% |
| Reserve coverage of non-performing loans | 219.28% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.71% |
| Return on equity | 14.94% |
| Net interest margin | 4.56% |
| Efficiency ratio | 55.51% |
| Yield on earning assets | 6.13% |
| Cost of funds | 1.64% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.21% |
| Core deposits to total deposits | 91.88% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.42% |
| Securities to assets | 8.65% |
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 | 15.19% | 15.19% | 16.34% | 11.71% | 1.28% |
| Q4 2023 | 14.73% | 14.73% | 15.83% | 11.87% | 1.23% |
| Q1 2024 | 15.11% | 15.11% | 16.28% | 11.89% | 1.22% |
| Q2 2024 | 15.21% | 15.21% | 16.39% | 11.82% | 1.27% |
| Q3 2024 | 15.41% | 15.41% | 16.59% | 12.02% | 1.31% |
| Q4 2024 | 15.76% | 15.76% | 16.94% | 12.26% | 1.40% |
| Q1 2025 | 15.82% | 15.82% | 17.04% | 12.45% | 1.17% |
| Q2 2025 | 12.43% | 12.43% | 13.34% | 10.16% | 1.05% |
| Q3 2025 | 12.86% | 12.86% | 13.81% | 10.36% | 1.21% |
| Q4 2025 | 12.83% | 12.83% | 14.08% | 10.25% | 1.37% |
| Q1 2026 | 12.89% | 12.89% | 14.13% | 10.44% | 1.62% |
| Q2 2026 | — | — | — | 10.62% | 1.71% |
Community National Bank & Trust of Texas vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Community National Bank & Trust of Texas, 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 Community National Bank & Trust of Texas profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 18185) · FFIEC NIC profile (RSSD 738769)