CommunityBank of Texas, N.A.

Headquarters

5999 Delaware Street
Beaumont, TX 77706
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.03% 1.05% →
1-Year CD 0.05% 0.95% →
2-Year CD 0.07% 1.05% →
5-Year CD 0.50% 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

CommunityBank of Texas, N.A. is an FDIC insured institution located in Beaumont, TX. It was founded in 1926 and has approximately $3.43 billion in assets. Customers can open an account at one of its 39 branches.

FDIC Insured Yes
FDIC Certificate # 3363
Date Established 1926
Assets $ 3.43 billion
Loans $ 2.64 billion
Deposits $ 2.83 billion
Capital $ 499.98 million
 

For a more detailed analysis of CommunityBank of Texas, N.A.'s financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 18, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Savings
0.03% $2,500 $4,999 Learn More
Savings
0.03% $2,500 $4,999 Learn More
Money Market
0.05% $2,500 $2,999 Learn More
Money Market
0.05% $10,000 $14,999 Learn More
Money Market
0.05% $25,000 $29,999 Learn More
CD Rates APY MIN MAX
3 Mo CD
0.03% $10,000 $14,999 Learn More
3 Mo CD
0.03% $100,000 $199,999 Learn More
6 Mo CD
0.03% $10,000 $14,999 Learn More
6 Mo CD
0.03% $100,000 $199,999 Learn More
12 Mo CD
0.05% $10,000 $14,999 Learn More
12 Mo CD
0.05% $100,000 $199,999 Learn More
24 Mo CD
0.07% $10,000 $14,999 Learn More
24 Mo CD
0.07% $100,000 $199,999 Learn More
36 Mo CD
0.08% $10,000 $14,999 Learn More
36 Mo CD
0.08% $100,000 $199,999 Learn More
48 Mo CD
0.10% $10,000 $14,999 Learn More
48 Mo CD
0.10% $100,000 $199,999 Learn More
60 Mo CD
0.50% $10,000 $14,999 Learn More
60 Mo CD
0.50% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.03% $2,500 $3,499 Learn MoreShow Less
Int Ckg
0.03% $2,500 $3,499 Learn MoreShow Less

Loan Rates - September 18, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for CommunityBank of Texas, N.A.

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
AimLoan.com
NMLS ID: 2890
License#: 13256
2.815% 2.750% 0.88 $2,118 $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 CommunityBank of Texas, N.A.
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

CommunityBank of Texas, N.A. 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


CommunityBank of Texas, N.A. Locations


Financial Details

CommunityBank of Texas, N.A. Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of CommunityBank of Texas, N.A.. 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
CommunityBank of Texas, N.A. U.S. Bank Average
0.27% 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, CommunityBank of Texas, N.A. had $1,448,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $499,978,000 in equity and $31,194,000 in loans loss reserves. That gives it a Texas Ratio of 0.27%.

Return on Equity
CommunityBank of Texas, N.A. U.S. Bank Average
6.4% 7.80%

CommunityBank of Texas, N.A. has a Return on Equity of 6.4% 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
CommunityBank of Texas, N.A. U.S. Bank Average
14.59% 12.68%

CommunityBank of Texas, N.A. has a Capitalization of 14.59% 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.

CommunityBank of Texas, N.A. Balance Sheet Analysis

As of March 31, 2020, CommunityBank of Texas, N.A. had assets of $3,425,852,000, loans of $2,641,274,000, and deposits of $2,831,721,000. 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 $ 284.90 million
Interest-bearing balances $ 237.29 million
Total securities $ 234.01 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 2.64 billion
Loan loss allowance $ 31.19 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 85.65 million
All other assets $ 117.20 million
     Total Assets $ 2.93 billion
LIABILITIES
Total deposits $ 2.83 billion
      Interest-bearing deposits $ 2.54 billion
      Deposits held in domestic offices $ 2.83 billion
      % insured (estimated) 47.59%
Federal funds purchased and repurchase agreements $ 1.42 million
Trading liabilities N.A.
Other borrowed funds $ 50.00 million
Subordinated debt N.A.
All other liabilities $ 42.74 million
      Total Liabilities $ 2.93 billion
      Shareholders’ Equity $ 499.98 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 36.21 million
Total Interest Expense $ 3.99 million
Net interest income $ 32.22 million
Provision for loan and lease losses $ 4.74 million
Total non interest income $ 4.30 million
Total non interest expense $ 21.96 million
Pre-tax Net Operating Income $ 9.83 million

Bank Loan Profile?

The top three loan types in CommunityBank of Texas, N.A.’s loan portfolio are Commercial Real Estate, Construction and Development Loans, and Commercial and Industrial Loans.

Compared to other banks in Texas, CommunityBank of Texas, N.A. has a significantly higher percent of Multifamily Mortgages, Construction and Development 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 10.45
Multifamily
Mortgages
10.05
Credit Card Loans 0.00
Consumer Auto Loans 0.10
Small Business Loans 4.53
Construction and Development Loans 21.02
Commercial Real Estate 34.05
Commercial and Industrial Loans 20.55
Farm Loans 0.29

Frequently Asked Questions About Communitybank Of Texas, N.a.

Branches and Savings

Is Communitybank Of Texas, N.a. FDIC insured?

Yes. It is covered under FDIC Certificate #3363.

Why does Communitybank Of Texas, N.a. pay such low interest on savings accounts?

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

Why are Communitybank Of Texas, N.a. CD rates not competitive?

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

Is Communitybank Of Texas, N.a. a commercial bank?

Yes

Where are Communitybank Of Texas, N.a. locations?

See branch locations nearby.

Is Communitybank Of Texas, N.a. open on Saturdays?

Is Communitybank Of Texas, N.a. open on Sundays?

What time does Communitybank Of Texas, N.a. open?

What time does Communitybank Of Texas, N.a. close?

Are Communitybank Of Texas, N.a. ATMs Open 24/7?

Do Communitybank Of Texas, N.a. ATMs accept cash deposits?

Can Communitybank Of Texas, N.a. customers use other ATMs?

Do Communitybank Of Texas, N.a. branches have notaries?

Will Communitybank Of Texas, N.a. notarize my document?

What address for Communitybank Of Texas, N.a. should I put for incoming ACH transfers?

Will the Communitybank Of Texas, N.a. branch print checks?

Do Communitybank Of Texas, N.a. checks expire?

Does Communitybank Of Texas, N.a. require US citizenship to open account?

Can Communitybank Of Texas, N.a. close my account?

Does Communitybank Of Texas, N.a. Report to credit bureaus?

Does Communitybank Of Texas, N.a. Use Equifax?

What is Communitybank Of Texas, N.a.'s ACH Routing Number?

What is Communitybank Of Texas, N.a.'s SWIFT code?

Products

Does Communitybank Of Texas, N.a. offer mortgages?

Compare mortgage rates here.

Does Communitybank Of Texas, N.a. offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Communitybank Of Texas, N.a. offer personal loans?

Compare personal loan rates here.

Does Communitybank Of Texas, N.a. offer student loans?

Will Communitybank Of Texas, N.a. cash a check?

Will Communitybank Of Texas, N.a. redeem a savings bond?

Does Communitybank Of Texas, N.a. cash savings bonds?

Will Communitybank Of Texas, N.a. cash money orders?

Can Communitybank Of Texas, N.a. issue a money order?

Does Communitybank Of Texas, N.a. do currency exchange?

Background on The Bank

Who owns Communitybank Of Texas, N.a.?

How long has Communitybank Of Texas, N.a. been around?

Can Communitybank Of Texas, N.a. transfer to other banks?

Does Communitybank Of Texas, N.a. have quick pay?

Does Communitybank Of Texas, N.a. accept rolled coins?

Will Communitybank Of Texas, N.a. accept loose change?

Where is Communitybank Of Texas, N.a. headquarters?

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