Commercial National Bank of Texarkana

Headquarters

5515 Summerhill Road
Texarkana, TX 75503
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 1.05% →
1-Year CD 0.50% 0.95% →
2-Year CD 0.75% 1.05% →
5-Year CD 1.05% 2.25% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Commercial National Bank of Texarkana is an FDIC insured institution located in Texarkana, TX. It was founded in 1964 and has approximately $0.22 billion in assets. Customers can open an account at one of its 6 branches.

FDIC Insured Yes
FDIC Certificate # 19024
Date Established 1964
Assets $ 222.47 million
Loans $ 135.40 million
Deposits $ 201.18 million
Capital $ 21.07 million
 

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

Deposit Rates - September 25, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Savings
0.05% $2,500 $4,999 Learn More
Money Market
0.10% $2,500 $2,999 Learn More
Money Market
0.10% $10,000 $14,999 Learn More
Money Market
0.10% $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
0.25% $10,000 $14,999 Learn More
6 Mo CD
0.25% $100,000 $199,999 Learn More
12 Mo CD
0.50% $10,000 $14,999 Learn More
12 Mo CD
0.50% $100,000 $199,999 Learn More
Special: 18 Mo CD
0.85% $1,000 - Learn More
18 Mo CD
0.70% $10,000 $14,999 Learn More
18 Mo CD
0.70% $100,000 $199,999 Learn More
24 Mo CD
0.75% $10,000 $14,999 Learn More
24 Mo CD
0.75% $100,000 $199,999 Learn More
30 Mo CD
0.75% $10,000 $14,999 Learn More
30 Mo CD
0.75% $100,000 $199,999 Learn More
36 Mo CD
0.95% $10,000 $14,999 Learn More
36 Mo CD
0.95% $100,000 $199,999 Learn More
48 Mo CD
1.05% $10,000 $14,999 Learn More
48 Mo CD
1.05% $100,000 $199,999 Learn More
60 Mo CD
1.05% $10,000 $14,999 Learn More
60 Mo CD
1.05% $100,000 $199,999 Learn More

Fixed IRA Rates APY MIN MAX
Special: 18 Mo FIRA
0.85% $1,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $2,500 $3,499 Learn MoreShow Less

Loan Rates - September 25, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Commercial National Bank of Texarkana

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
4.114% 3.990% 1.00 $3,750 $1,193 Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.815% 2.750% 0.88 $2,122 $1,021 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.990 %
$0 Learn More
More Info

Note to Commercial National Bank of Texarkana
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Branches

Commercial National Bank of Texarkana 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 National Bank of Texarkana Locations


Financial Details

Commercial National Bank of Texarkana Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Commercial National Bank of Texarkana. 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 National Bank of Texarkana U.S. Bank Average
0.92% 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 National Bank of Texarkana had $206,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $21,071,000 in equity and $1,337,000 in loans loss reserves. That gives it a Texas Ratio of 0.92%.

Return on Equity
Commercial National Bank of Texarkana U.S. Bank Average
16.01% 7.80%

Commercial National Bank of Texarkana has a Return on Equity of 16.01% 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 National Bank of Texarkana U.S. Bank Average
9.47% 12.68%

Commercial National Bank of Texarkana has a Capitalization of 9.47% 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 National Bank of Texarkana Balance Sheet Analysis

As of March 31, 2020, Commercial National Bank of Texarkana had assets of $222,467,000, loans of $135,404,000, and deposits of $201,178,000. 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 $ 6.94 million
Interest-bearing balances $ 0.03 million
Total securities $ 66.61 million
Federal funds sold and reverse repurchase $ 7.70 million
Net loans and leases $ 135.40 million
Loan loss allowance $ 1.34 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 1.50 million
     Total Assets $ 201.40 million
LIABILITIES
Total deposits $ 201.18 million
      Interest-bearing deposits $ 187.89 million
      Deposits held in domestic offices $ 201.18 million
      % insured (estimated) 74.74%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.22 million
      Total Liabilities $ 201.40 million
      Shareholders’ Equity $ 21.07 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 2.31 million
Total Interest Expense $ 0.16 million
Net interest income $ 2.15 million
Provision for loan and lease losses $ 0.10 million
Total non interest income $ 0.43 million
Total non interest expense $ 1.67 million
Pre-tax Net Operating Income $ 0.82 million

Bank Loan Profile?

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

Compared to other banks in Texas, Commercial National Bank of Texarkana has a significantly higher percent of Small Business Loans on its balance sheet, potentially indicating a specialty in that lending area.

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 26.73
Multifamily
Mortgages
0.87
Credit Card Loans 0.00
Consumer Auto Loans 1.31
Small Business Loans 12.68
Construction and Development Loans 8.02
Commercial Real Estate 38.45
Commercial and Industrial Loans 21.73
Farm Loans 0.05

Frequently Asked Questions About Commercial National Bank Of Texarkana

Branches and Savings

Is Commercial National Bank Of Texarkana FDIC insured?

Yes. It is covered under FDIC Certificate #19024.

Why does Commercial National Bank Of Texarkana pay such low interest on savings accounts?

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

Why are Commercial National Bank Of Texarkana CD rates not competitive?

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

Is Commercial National Bank Of Texarkana a commercial bank?

Yes

Where are Commercial National Bank Of Texarkana locations?

See branch locations nearby.

Is Commercial National Bank Of Texarkana open on Saturdays?

Is Commercial National Bank Of Texarkana open on Sundays?

What time does Commercial National Bank Of Texarkana open?

What time does Commercial National Bank Of Texarkana close?

Are Commercial National Bank Of Texarkana ATMs Open 24/7?

Do Commercial National Bank Of Texarkana ATMs accept cash deposits?

Can Commercial National Bank Of Texarkana customers use other ATMs?

Do Commercial National Bank Of Texarkana branches have notaries?

Will Commercial National Bank Of Texarkana notarize my document?

What address for Commercial National Bank Of Texarkana should I put for incoming ACH transfers?

Will the Commercial National Bank Of Texarkana branch print checks?

Do Commercial National Bank Of Texarkana checks expire?

Does Commercial National Bank Of Texarkana require US citizenship to open account?

Can Commercial National Bank Of Texarkana close my account?

Does Commercial National Bank Of Texarkana Report to credit bureaus?

Does Commercial National Bank Of Texarkana Use Equifax?

What is Commercial National Bank Of Texarkana's ACH Routing Number?

What is Commercial National Bank Of Texarkana's SWIFT code?

Products

Does Commercial National Bank Of Texarkana offer mortgages?

Compare mortgage rates here.

Does Commercial National Bank Of Texarkana offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Commercial National Bank Of Texarkana offer personal loans?

Compare personal loan rates here.

Does Commercial National Bank Of Texarkana offer student loans?

Will Commercial National Bank Of Texarkana cash a check?

Will Commercial National Bank Of Texarkana redeem a savings bond?

Does Commercial National Bank Of Texarkana cash savings bonds?

Will Commercial National Bank Of Texarkana cash money orders?

Can Commercial National Bank Of Texarkana issue a money order?

Does Commercial National Bank Of Texarkana do currency exchange?

Background on The Bank

Who owns Commercial National Bank Of Texarkana?

How long has Commercial National Bank Of Texarkana been around?

Can Commercial National Bank Of Texarkana transfer to other banks?

Does Commercial National Bank Of Texarkana have quick pay?

Does Commercial National Bank Of Texarkana accept rolled coins?

Will Commercial National Bank Of Texarkana accept loose change?

Where is Commercial National Bank Of Texarkana headquarters?

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