Commercial Bank of Texas, National Association
Nacogdoches, TX
IDRSSD: 885869
Total Assets
$1.64B
Latest filing
Total Deposits
$1.47B
Latest filing
Net Interest Margin
4.03%
Profitability
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 10/14/1901 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 75961 |
| State and County Number | 48347 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 11 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Nacogdoches, TX |
Operational Info
| Number of Employees | 258 |
| Domestic Offices | 23 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.cbtx.com |
| Data Updated | 11/14/2025 |
| CERT | 1209 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.64B |
| Total Deposits | $1.47B |
| Total Liabilities | $1.49B |
| Total Equity Capital | $155.38M |
| Net Income | $6.24M |
| Net Loans and Leases | $1.05B |
| Assets Per Employee ($Millions) | $6.32M |
| Bank Premises and Fixed Assets | $17.87M |
| Cash and Balances due from Depository Institutions | $145.62M |
| Deposits Held in Domestic Offices | $1.47B |
Key Performance Ratios
| Return on Assets (ROA) | 1.54% |
| Return on Equity (ROE) | 16.7% |
| Net Interest Margin | 4.03% |
| Efficiency Ratio | 52.5% |
| Tier 1 Risk-Based Capital Ratio | 15.469% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.11% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.463% |
| Earning Assets to total Assets | 94.82% |
Income and Expense
| Total Interest Income | $22.15M |
| Total Noninterest Income | $5.76M |
| Total Interest Expense | $6.75M |
| Total Noninterest Expense | $11.15M |
| Net Interest Income | $15.40M |
| Pre-tax Net Operating Income | $9.57M |
| Provision for Credit Losses | $450.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $468.00k |
| Other borrowed funds | $56.00k |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $12.69M |
| Total Liabilities and Capital | $1.64B |
Securities
| Securities | $382.76M |
| Available-for-sale debt securities | $377.29M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $4.75M |
| Subordinated Debt | $0 |
| Trading Account Assets | $875.00k |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Commercial Bank of Texas, National Association?
$1.64B as of the latest filing.
How much are Commercial Bank of Texas, National Association's total deposits?
$1.47B in total deposits.
Where is Commercial Bank of Texas, National Association located?
Nacogdoches, TX.
What is the Net Interest Margin?
4.03%.
How many domestic offices does it operate?
23.
When was it established?
10/14/1901.
What is the Return on Assets (ROA)?
1.54%.
How much are total loans and leases?
$1.05B (latest filing).
What is the total interest income (latest filing)?
$22.15M.