Commercial Bank of Texas, National Association

Headquarters

215 East Main Street
Nacogdoches, TX 75961
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.15% 1.00% →
1-Year CD 0.45% 0.95% →
2-Year CD 0.50% 0.95% →
5-Year CD 0.85% 2.25% →
30-Year Mortgage 5.44% 2.80% →
15-Year Mortgage 4.47% 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Commercial Bank of Texas, National Association is an FDIC insured institution located in Nacogdoches, TX. It was founded in 1901 and has approximately $0.79 billion in assets. Customers can open an account at one of its 19 branches.

FDIC Insured Yes
FDIC Certificate # 1209
Date Established 1901
Assets $ 790.78 million
Loans $ 536.32 million
Deposits $ 696.86 million
Capital $ 88.01 million
 

For a more detailed analysis of Commercial Bank of Texas, National Association's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - October 19, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Savings
0.15% $2,500 $4,999 Learn More
Money Market
0.05% $2,500 $2,999 Learn More
Money Market
0.10% $10,000 $14,999 Learn More
Money Market
0.15% $25,000 $29,999 Learn More
CD Rates APY MIN MAX
3 Mo CD
0.20% $10,000 $14,999 Learn More
3 Mo CD
0.20% $100,000 $199,999 Learn More
6 Mo CD
0.35% $10,000 $14,999 Learn More
6 Mo CD
0.35% $100,000 $199,999 Learn More
12 Mo CD
0.45% $10,000 $14,999 Learn More
12 Mo CD
0.45% $100,000 $199,999 Learn More
24 Mo CD
0.50% $10,000 $14,999 Learn More
24 Mo CD
0.50% $100,000 $199,999 Learn More
36 Mo CD
0.55% $10,000 $14,999 Learn More
36 Mo CD
0.55% $100,000 $199,999 Learn More
48 Mo CD
0.60% $10,000 $14,999 Learn More
48 Mo CD
0.60% $100,000 $199,999 Learn More
60 Mo CD
0.85% $10,000 $14,999 Learn More
60 Mo CD
0.85% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.10% $2,500 $3,499 Learn MoreShow Less

Loan Rates - October 19, 2020

Your Current Location: Connecticut, CT 06828

Refinance Mortgage Rates APR Rate Monthly Payment
Purchase Mortgage Rates APR Rate Monthly Payment

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.

Branches

Commercial Bank of Texas, National Association branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


Commercial Bank of Texas, National Association Locations


Financial Details

Commercial Bank of Texas, National Association Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Commercial Bank of Texas, National Association. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Commercial Bank of Texas, National Association U.S. Bank Average
5.22% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, Commercial Bank of Texas, National Association had $2,912,000 in non-current loans and $2,142,000 in owned real estate. To cover these potential losses it had $88,008,000 in equity and $8,825,000 in loans loss reserves. That gives it a Texas Ratio of 5.22%.

Return on Equity
Commercial Bank of Texas, National Association U.S. Bank Average
11.1% 7.80%

Commercial Bank of Texas, National Association has a Return on Equity of 11.1% versus the BestCashCow average of 7.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Commercial Bank of Texas, National Association U.S. Bank Average
11.13% 12.68%

Commercial Bank of Texas, National Association has a Capitalization of 11.13% versus the BestCashCow average of 12.68. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Commercial Bank of Texas, National Association Balance Sheet Analysis

As of March 31, 2020, Commercial Bank of Texas, National Association had assets of $790,781,000, loans of $536,319,000, and deposits of $696,864,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2020
ASSETS
Cash & Balances due from depository institutions $ 32.25 million
Interest-bearing balances $ 15.56 million
Total securities $ 170.89 million
Federal funds sold and reverse repurchase $ 9.40 million
Net loans and leases $ 536.32 million
Loan loss allowance $ 8.83 million
Trading account assets $ 0.58 million
Bank premises and fixed assets N.A.
Other real estate owned $ 2.14 million
Goodwill and other intangibles $ 5.91 million
All other assets $ 22.60 million
     Total Assets $ 702.77 million
LIABILITIES
Total deposits $ 696.86 million
      Interest-bearing deposits $ 643.92 million
      Deposits held in domestic offices $ 696.86 million
      % insured (estimated) 75.17%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 5.91 million
      Total Liabilities $ 702.77 million
      Shareholders’ Equity $ 88.01 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 8.40 million
Total Interest Expense $ 0.78 million
Net interest income $ 7.62 million
Provision for loan and lease losses $ 1.20 million
Total non interest income $ 2.90 million
Total non interest expense $ 6.43 million
Pre-tax Net Operating Income $ 2.89 million

Bank Loan Profile?

The top three loan types in Commercial Bank of Texas, National Association’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks, Commercial Bank of Texas, National Association’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 24.87
Multifamily
Mortgages
0.39
Credit Card Loans 0.00
Consumer Auto Loans 1.92
Small Business Loans 0.00
Construction and Development Loans 9.28
Commercial Real Estate 36.89
Commercial and Industrial Loans 19.08
Farm Loans 1.13

Frequently Asked Questions About Commercial Bank Of Texas, National Association

Branches and Savings

Is Commercial Bank Of Texas, National Association FDIC insured?

Yes. It is covered under FDIC Certificate #1209.

Why does Commercial Bank Of Texas, National Association pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Commercial Bank Of Texas, National Association CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Commercial Bank Of Texas, National Association a commercial bank?

Yes

Where are Commercial Bank Of Texas, National Association locations?

See branch locations nearby.

Is Commercial Bank Of Texas, National Association open on Saturdays?

Is Commercial Bank Of Texas, National Association open on Sundays?

What time does Commercial Bank Of Texas, National Association open?

What time does Commercial Bank Of Texas, National Association close?

Are Commercial Bank Of Texas, National Association ATMs Open 24/7?

Do Commercial Bank Of Texas, National Association ATMs accept cash deposits?

Can Commercial Bank Of Texas, National Association customers use other ATMs?

Do Commercial Bank Of Texas, National Association branches have notaries?

Will Commercial Bank Of Texas, National Association notarize my document?

What address for Commercial Bank Of Texas, National Association should I put for incoming ACH transfers?

Will the Commercial Bank Of Texas, National Association branch print checks?

Do Commercial Bank Of Texas, National Association checks expire?

Does Commercial Bank Of Texas, National Association require US citizenship to open account?

Can Commercial Bank Of Texas, National Association close my account?

Does Commercial Bank Of Texas, National Association Report to credit bureaus?

Does Commercial Bank Of Texas, National Association Use Equifax?

What is Commercial Bank Of Texas, National Association's ACH Routing Number?

What is Commercial Bank Of Texas, National Association's SWIFT code?

Products

Does Commercial Bank Of Texas, National Association offer mortgages?

Compare mortgage rates here.

Does Commercial Bank Of Texas, National Association offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Commercial Bank Of Texas, National Association offer personal loans?

Compare personal loan rates here.

Does Commercial Bank Of Texas, National Association offer student loans?

Will Commercial Bank Of Texas, National Association cash a check?

Will Commercial Bank Of Texas, National Association redeem a savings bond?

Does Commercial Bank Of Texas, National Association cash savings bonds?

Will Commercial Bank Of Texas, National Association cash money orders?

Can Commercial Bank Of Texas, National Association issue a money order?

Does Commercial Bank Of Texas, National Association do currency exchange?

Background on The Bank

Who owns Commercial Bank Of Texas, National Association?

How long has Commercial Bank Of Texas, National Association been around?

Can Commercial Bank Of Texas, National Association transfer to other banks?

Does Commercial Bank Of Texas, National Association have quick pay?

Does Commercial Bank Of Texas, National Association accept rolled coins?

Will Commercial Bank Of Texas, National Association accept loose change?

Where is Commercial Bank Of Texas, National Association headquarters?

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