Commercial Bank of Texas, N.A.: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Commercial Bank of Texas, N.A. is the primary bank subsidiary of its parent holding company, headquartered in Nacogdoches, TX. On its most recent Q2 2026 call report, Commercial Bank of Texas reported $1.7B in total assets against $1.5B in deposits. Profitability is strong, 1.57% ROA, paired with 15.90% ROE and a 4.20% net interest margin. Capital cushions are healthy: 15.44% CET1, 10.60% Tier 1 leverage. Credit metrics are pristine, with nonperforming loans at just 0.20%. Commercial Bank of Texas operates a 24-branch network.
As of June 30, 2026, Commercial Bank of Texas, N.A. reported a CET1 capital ratio of 15.44%, a return on assets of 1.57%, a nonperforming-loan ratio of 0.20%, a Texas ratio of 2.23%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 215 E Main St, Nacogdoches, TX 75961
- County
- Nacogdoches
- Metro Area
- Nacogdoches, 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
- October 14, 1901
- Offices
- 24 domestic
- Employees (FTE)
- 273
- Domestic deposits
- $1.50B
- Allowance for credit losses
- $17.6M
- Net charge-offs (YTD)
- $622K
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1209
- Fed RSSD
- 885869
- Website
- www.cbtx.com →
- Parent Holding Company
- NACOGDOCHES COMMERCIAL BANCSHARES, INC. (RSSD 1107595)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Commercial Bank of Texas, N.A. terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Commercial Bank of Texas, N.A., freeCommercial Bank of Texas, N.A. rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.44% | 1.57% | 0.20% | 2.23% | 4.20% |
| Q1 2026 | 15.36% | 1.62% | 0.18% | 2.13% | 4.14% |
| Q4 2025 | 15.36% | 1.49% | 0.18% | 2.04% | 4.17% |
| Q3 2025 | 15.47% | 1.53% | 0.18% | 2.30% | 3.89% |
| Q2 2025 | 15.11% | 1.52% | 0.19% | 2.15% | 3.91% |
| Q1 2025 | 14.66% | 1.32% | 0.19% | 2.85% | 3.71% |
| Q4 2024 | 14.71% | 1.34% | 0.22% | 2.57% | 3.72% |
| Q3 2024 | 15.06% | 1.38% | 0.26% | 2.21% | 3.53% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 24 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Commercial Bank of Texas, National Association | Nacogdoches , TX | 75961 | $409.6M |
| South First Street Branch | Lufkin , TX | 75901 | $190.9M |
| Emory Branch | Emory , TX | 75440 | $108.4M |
| Tulane Branch | Lufkin , TX | 75901 | $95.6M |
| San Augustine Branch | San Augustine , TX | 75972 | $80.3M |
| Gaslight Branch | Lufkin , TX | 75904 | $74.1M |
| Elkhart Branch | Elkhart , TX | 75839 | $63.7M |
| Mckinney Banking Center Branch | Mckinney , TX | 75070 | $59.8M |
| Stallings Branch | Nacogdoches , TX | 75965 | $56.2M |
| Bedford Branch | Bedford , TX | 76022 | $48.9M |
| Farmersville Branch | Farmersville , TX | 75442 | $39.9M |
| James Starr Branch | Nacogdoches , TX | 75961 | $39.4M |
| Cushing Branch | Cushing , TX | 75760 | $38.7M |
| Wells Branch | Wells , TX | 75976 | $35.8M |
| Allen Branch | Allen , TX | 75013 | $35.2M |
| Kennard Branch | Kennard , TX | 75847 | $32.0M |
| Palestin Banking Center Branch | Palestine , TX | 75801 | $29.3M |
| Lewisville Banking Center Branch | Lewisville , TX | 75057 | $23.1M |
| Roxton Branch | Roxton , TX | 75477 | $14.1M |
| Diboll Branch | Diboll , TX | 75941 | $11.8M |
| Alba Branch | Alba , TX | 75410 | $9.6M |
| Beaumont Banking Center Branch | Beaumont , TX | 77706 | $3.8M |
| Mobile Branch | Nacogdoches , TX | 75961 | $0 |
| Stephen F Austin State University Branch | Nacogdoches , TX | 75962 | $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 |
|---|---|---|---|
| September 17, 2016 | Structure Change | Acquired The First National Bank of Emory Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 16, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 26, 2015 | Structure Change | Acquired The Elkhart State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 31, 1998 | Structure Change | Acquired The Bank of East Texas, S.S.B. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 30, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 20, 1991 | Structure Change | Acquired Superior Savings Bank, F.S.B. Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| July 19, 1991 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 7 events.
Regulatory record
What the public regulatory sources show for Commercial Bank of Texas, N.A., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 83 of 447 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Commercial Bank of Texas, N.A.
What are Commercial Bank of Texas, N.A.'s total assets?
As of the Q2 2026 filing, Commercial Bank of Texas, N.A. reported total assets of $1.69 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Commercial Bank of Texas, N.A. headquartered?
Commercial Bank of Texas, N.A. is headquartered in Nacogdoches, TX, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Commercial Bank of Texas, N.A. founded?
Commercial Bank of Texas, N.A. was established in 1901, per the FDIC institution directory.
Is Commercial Bank of Texas, N.A. FDIC-insured?
Yes. Commercial Bank of Texas, N.A. is an FDIC-insured commercial bank (FDIC Certificate #1209). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Commercial Bank of Texas, N.A.?
Commercial Bank of Texas, N.A.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Commercial Bank of Texas, N.A.'s CET1 capital ratio?
Commercial Bank of Texas, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 15.44% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Commercial Bank of Texas, N.A. operate?
Commercial Bank of Texas, N.A. operates 24 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Commercial Bank of Texas, N.A.'s Texas Ratio?
Commercial Bank of Texas, N.A.'s Texas Ratio is 2.23% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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