Community National Bank & Trust of Texas
Corsicana, Texas, Navarro County
$1.7B in total assets, the 689th largest of 4,309 US banks and 62nd of 352 headquartered in Texas.
- FDIC certificate
- 18185
- Established
- 1934
- Owned by
- Community Bk Holdings Tx Inc
- Primary regulator
- OCC
- Website
- WWW.MYBANKTX.COM
At a glance
Compared with 77 banks headquartered in Texas with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $1.7B | 38% | $2.2B | |
| Loans | $1.2B | 44% | $1.3B | |
| Deposits | $1.4B | 38% | $1.8B | |
| Return on assets | 1.49% | 47% | 1.54% | |
| Net interest margin | 4.65% | 83% | 3.95% | |
| Efficiency ratio | 56.2% | 44% | 57.5% | |
| Equity to assets | 11.66% | 62% | 10.59% | |
| Loans to deposits | 84% | 60% | 80% |
Growth
Total assets grew 11.7% a year over the last 5 years and 10.1% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jun 2025 | CapTex Bank Fort Worth, TX | $330M |
| Apr 2016 | Star Bank of Texas Lake Worth, TX, an affiliate under the same holding company | $142M |
| Jul 2013 | First State Bank of Mineral Wells Mineral Wells, TX | $128M |
| May 2008 | First National Bank Fairfield, TX, an affiliate under the same holding company | $116M |
Where they operate
18 branches in 9 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Navarro County, TX | $422M | 38.1% | 1 of 10 |
| Freestone County, TX | $181M | 51.6% | 1 of 6 |
| Tarrant County, TX | $174M | 0.3% | 40 of 74 |
| Fannin County, TX | $150M | 20.3% | 3 of 5 |
| Palo Pinto County, TX | $140M | 9.3% | 4 of 7 |
| Parker County, TX | $133M | 3.3% | 10 of 21 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 7 branches since 2016 (11 to 18, +63.6%). 2 opened, 8 acquired, 3 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 11 | |||
| 2016 | Acquired Star Bank of Texas | 3 | 0 | +3 | 14 |
| 2018 | Opened Centerville | 1 | 0 | +1 | 15 |
| 2020 | Closed Streetman | 0 | 1 | −1 | 14 |
| 2021 | Opened WaxahachieClosed Burleson | 1 | 1 | 0 | 14 |
| 2025 | Acquired CapTex Bank | 5 | 0 | +5 | 19 |
| 2026 through Q2 | Closed Fort Worth | 0 | 1 | −1 | 18 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 52% | 38% | |
| Construction and land | 18% | 13% | |
| Business (C&I) | 13% | 15% | |
| 1-4 family residential | 10% | 20% | |
| Farmland | 4% | 3% | |
| Agricultural | 1% | 1% | |
| Multifamily | 1% | 4% | |
| Consumer | 1% | 2% | |
| Other | 0% | 4% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 50% | 48% | |
| Noninterest-bearing | 32% | 26% | |
| Time deposits | 19% | 26% |
Brokered deposits are 0.0% of deposits (peers 4.2%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.09% | 0.46% |
| Net charge-offs, annualized | 0.08% | 0.04% |
| Reserves to loans | 1.31% | 1.20% |
| Leverage ratio | 10.62% | 10.79% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Texas
Largest competitors in Navarro County, TX
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/community-national-bank-trust-texas-corsicana-tx