What is Commercial Bank of Texas, National Association's financial health grade?

Commercial Bank of Texas, National Association has a TFS Financial Health Grade of B- (score: 80.7/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Commercial Bank of Texas, National Association have?

Commercial Bank of Texas, National Association has 23 branch locations across the United States.

Is Commercial Bank of Texas, National Association FDIC insured?

Yes, Commercial Bank of Texas, National Association is FDIC insured (Certificate #1209).

What are the total assets of Commercial Bank of Texas, National Association?

Commercial Bank of Texas, National Association has total assets of $1.6B as reported in its most recent FDIC filing.

Commercial Bank of Texas, National Association

BankNacogdoches, Texas

www.cbtx.com

Total Assets

$1.6B

Total Deposits

$1.5B

Branches

Established

1901

TFS Health Grade

B-

80.7 / 100

Good financial health

How we grade

Commercial Bank of Texas, National Association is a bank headquartered in Nacogdoches, Texas, established in 1901. With $1.6B in total assets and 23 branch locations, it has a TFS Financial Health Grade of B- (80.7/100).

Capital & Safety

Tier 1 Capital Ratio

10.22%(8%)

Total Capital Ratio

16.61%(10%)

Non-Performing Loan Ratio

0.13%

Profitability

Return on Assets (ROA)

1.48%(1%)

Return on Equity (ROE)

16.05%(10%)

Net Interest Margin

4.05%

Efficiency Ratio

56.84%(60%)

Lending & Liquidity

Total Loans

$1.1B

Loan-to-Deposit Ratio

75.11%

Net Charge-Off Ratio

0.05%

Growth

Asset Growth (YoY)

+9.60%

Deposit Growth (YoY)

+7.92%

Net Income

$23.3M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Commercial Bank of Texas, National AssociationHQ	215 E Main St	Nacogdoches	TX	11
Commercial Bank of Texas, National Association	7463 E Us Highway 69	Alba	TX	11
Commercial Bank of Texas, National Association	1219 W Mcdermott Dr	Allen	TX	12
Commercial Bank of Texas, National Association	1716 Forest Ridge Dr	Bedford	TX	11
Commercial Bank of Texas, National Association	7th And Spruce Streets	Cushing	TX	11
Commercial Bank of Texas, National Association	501 N Temple Dr	Diboll	TX	11
Commercial Bank of Texas, National Association	109 W Parker St	Elkhart	TX	11
Commercial Bank of Texas, National Association	107 E Quitman St	Emory	TX	11
Commercial Bank of Texas, National Association	201 State Highway 78 S	Farmersville	TX	11
Commercial Bank of Texas, National Association	401 W Main St	Kennard	TX	11
Commercial Bank of Texas, National Association	201 S Mill St	Lewisville	TX	11
Commercial Bank of Texas, National Association	1901 Tulane Dr	Lufkin	TX	11
Commercial Bank of Texas, National Association	1523 W Frank Ave	Lufkin	TX	11
Commercial Bank of Texas, National Association	600 S 1st St	Lufkin	TX	11
Commercial Bank of Texas, National Association	321 N Central Expy	Mckinney	TX	11
Commercial Bank of Texas, National Association	4929 North St	Nacogdoches	TX	12
Commercial Bank of Texas, National Association	222 Vista Blvd	Nacogdoches	TX	12
Commercial Bank of Texas, National Association	215 E Main St	Nacogdoches	TX	29
Commercial Bank of Texas, National Association	1629 N University Dr	Nacogdoches	TX	11
Commercial Bank of Texas, National Association	2121 South Loop 256	Palestine	TX	11
Commercial Bank of Texas, National Association	210 Harrison Ave	Roxton	TX	11
Commercial Bank of Texas, National Association	102 W Columbia St	San Augustine	TX	11
Commercial Bank of Texas, National Association	217 Rusk Ave	Wells	TX	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.