Commercial Bank of Texas, National Association
Nacogdoches, Texas, Nacogdoches County
$1.7B in total assets, the 687th largest of 4,309 US banks and 60th of 352 headquartered in Texas.
- FDIC certificate
- 1209
- Established
- 1901
- Owned by
- Nacogdoches Coml Bancshares
- Primary regulator
- OCC
- Website
- www.cbtx.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 | 40% | $2.2B | |
| Loans | $1.2B | 42% | $1.3B | |
| Deposits | $1.5B | 43% | $1.8B | |
| Return on assets | 1.57% | 57% | 1.53% | |
| Net interest margin | 4.35% | 69% | 3.95% | |
| Efficiency ratio | 55.5% | 43% | 57.5% | |
| Equity to assets | 10.18% | 42% | 10.77% | |
| Loans to deposits | 78% | 47% | 80% |
Growth
Total assets grew 6.8% a year over the last 5 years and 11.5% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Sep 2016 | The First National Bank of Emory Emory, TX | $103M |
| Jun 2015 | The Elkhart State Bank Elkhart, TX | $43M |
| Jan 1998 | The Bank of East Texas, S.S.B. Lufkin, TX | $113M |
| Jul 1991 | Superior Savings Bank, F.S.B. Nacogdoches, TX | $50M |
Where they operate
24 branches in 12 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Nacogdoches County, TX | $544M | 31.4% | 2 of 9 |
| Angelina County, TX | $372M | 17.3% | 3 of 11 |
| Collin County, TX | $135M | 0.3% | 35 of 70 |
| Rains County, TX | $118M | 42.8% | 1 of 4 |
| Anderson County, TX | $93M | 10.6% | 4 of 8 |
| San Augustine County, TX | $80M | 33.8% | 2 of 4 |
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 8 branches since 2016 (16 to 24, +50.0%). 6 opened, 2 acquired, 0 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 16 | |||
| 2016 | Acquired The First National Bank of Emory | 2 | 0 | +2 | 18 |
| 2017 | Opened Palestine | 1 | 0 | +1 | 19 |
| 2019 | Opened Cushing | 1 | 0 | +1 | 20 |
| 2020 | Opened Farmersville | 1 | 0 | +1 | 21 |
| 2021 | Opened Mckinney and San Augustine | 2 | 0 | +2 | 23 |
| 2026 through Q2 | Opened Beaumont | 1 | 0 | +1 | 24 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 37% | 38% | |
| 1-4 family residential | 29% | 20% | |
| Business (C&I) | 15% | 15% | |
| Construction and land | 12% | 13% | |
| Consumer | 4% | 2% | |
| Farmland | 2% | 3% | |
| Agricultural | 1% | 1% | |
| Multifamily | 1% | 4% | |
| Other | 0% | 4% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 56% | 48% | |
| Noninterest-bearing | 25% | 26% | |
| Time deposits | 20% | 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 | 0.14% | 0.46% |
| Net charge-offs, annualized | 0.11% | 0.04% |
| Reserves to loans | 1.50% | 1.20% |
| Leverage ratio | 10.60% | 10.79% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Texas
Largest competitors in Nacogdoches 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/commercial-texas