Commercial National Bank of Texarkana

5515 Summerhill Road
Texarkana, TX 75503

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 19024
Date Established 1964
Assets $0.21 billion
Loans $0.13 billion
Deposits $0.18 billion
Capital $0.02 billion

Commercial National Bank of Texarkana is an FDIC insured institution located in Texarkana, TX. It was founded in 1964 and has approximately $0.21 billion in assets. Customers can open an account at one of its 6 branches.

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.

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, Commercial National Bank of Texarkana’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 26.45
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 1.20
Small Business Loans 17.28
Construction and Development Loans 9.82
Commercial Real Estate 33.99
Commercial and Industrial Loans 25.16
Farm Loans 0.14

Deposit Rates - April 22, 2019

Your Current Location: Washington, WA 98109

Savings and Money Market Rates APY MIN MAX
Money Market
0.10% $1,000 - Learn MoreShow Less
Premium Money Market Account
0.10% $5,000 - Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.20% $1,000 - Learn MoreShow Less
6 Mo CD
0.25% $1,000 - Learn MoreShow Less
Special: 9 Mo CD
2.07% $1,000 - Learn MoreShow Less
12 Mo CD
0.50% $1,000 - Learn MoreShow Less
Special: 18 Mo CD
2.33% $1,000 - Learn MoreShow Less
18 Mo CD
0.70% $1,000 - Learn MoreShow Less
24 Mo CD
0.75% $1,000 - Learn MoreShow Less
30 Mo CD
0.75% $1,000 - Learn MoreShow Less
36 Mo CD
1.05% $1,000 - Learn MoreShow Less
48 Mo CD
1.21% $1,000 - Learn MoreShow Less
60 Mo CD
1.21% $1,000 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.50% $1,000 - Learn MoreShow Less
Special: 9 Mo FIRA
2.07% $1,000 - Learn MoreShow Less
Special: 18 Mo FIRA
2.33% $1,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
0.70% $500 - Learn MoreShow Less

Loan Rates - April 22, 2019

Your Current Location: Washington, WA 98109

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 - Washington 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
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NMLS ID: 3030
5.375% 5.375% 0.00 $0 $1,400 Learn More
AimLoan.com NMLS#2890
NMLS ID: 2890
License#: 520-CL-25944
4.183% 4.125% 0.25 $1,834 $1,212 Learn More
J.G. Wentworth Home Lending, LLC
NMLS ID: 2925
License#: CL-2925. NMLSID#2925
4.034% 4.000% 0.38 $1,030 $1,194 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
PenFed Credit Union
PenFed Credit Union
5.500 %
$0 Learn More
More Info
Figure Home Equity Loan Plus
Figure Home Equity Loan Plus
8.000 %
N/A Learn More
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Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
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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:
Seattle,Washington


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
0.75% 6.97%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s 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 December 31, 2018, Commercial National Bank of Texarkana had $130,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $16,362,000 in equity and $1,072,000 in loans loss reserves. That gives it a Texas Ratio of 0.75%.

Return on Equity
Commercial National Bank of Texarkana U.S. Bank Average
22.01% 8.80%

Commercial National Bank of Texarkana has a Return on Equity of 22.01% versus the BestCashCow average of 8.80%. 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
7.93% 12.29%

Commercial National Bank of Texarkana has a Capitalization of 7.93% versus the BestCashCow average of 12.29. 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 December 31, 2018, Commercial National Bank of Texarkana had assets of $206,336,000, loans of $126,054,000, and deposits of $184,337,000. 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

December 31, 2018
ASSETS
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.00 billion
Total securities $0.07 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.13 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.19 billion
LIABILITIES
Total deposits $0.18 billion
      Interest-bearing deposits $0.17 billion
      Deposits held in domestic offices $0.18 billion
      % insured (estimated) 77.50%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.19 billion
      Shareholders’ Equity $0.02 billion

Summary Income Statement

December 31, 2018
INCOME AND EXPENSES
Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.01 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.01 billion
Pre-tax Net Operating Income $0.00 billion

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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