Headquartered in Nacogdoches, Texas, Commercial Bank of Texas, National Association is a national bank with $1.7B in total assets and $1.5B in deposits as of Q2 2026. It operates 24 offices. Its charter dates back to 1901.
Based on its Q2 2026 filing, Commercial Bank of Texas, National Association scores 77/100, which we describe as strong. That is higher than 83% of 897 banks with $1 billion – $10 billion. Among 349 banks headquartered in Texas, it ranks 125th. Its strongest component is problem-loan coverage (97/100; 1.5%), and its lowest is capital cushion (56/100; 10.60%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 3 points (74 → 77), mostly because the earnings component improved by 8 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 72 |
| Q3 2024 | 73 |
| Q4 2024 | 72 |
| Q1 2025 | 72 |
| Q2 2025 | 74 |
| Q3 2025 | 74 |
| Q4 2025 | 75 |
| Q1 2026 | 77 |
| Q2 2026 | 77 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.72% |
| Q3 2024 | 9.94% |
| Q4 2024 | 9.75% |
| Q1 2025 | 10.05% |
| Q2 2025 | 10.06% |
| Q3 2025 | 9.99% |
| Q4 2025 | 10.22% |
| Q1 2026 | 10.39% |
| Q2 2026 | 10.60% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.10% |
| Q3 2024 | 0.11% |
| Q4 2024 | 0.13% |
| Q1 2025 | 0.20% |
| Q2 2025 | 0.12% |
| Q3 2025 | 0.14% |
| Q4 2025 | 0.13% |
| Q1 2026 | 0.13% |
| Q2 2026 | 0.14% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.23% |
| Q3 2024 | 1.28% |
| Q4 2024 | 1.30% |
| Q1 2025 | 1.31% |
| Q2 2025 | 1.41% |
| Q3 2025 | 1.46% |
| Q4 2025 | 1.48% |
| Q1 2026 | 1.64% |
| Q2 2026 | 1.62% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 77 | $1.7B | 10.60% | 0.14% | 1.62% | 77.0% |
| Q1 2026 | 77 | $1.7B | 10.39% | 0.13% | 1.64% | 74.2% |
| Q4 2025 | 75 | $1.6B | 10.22% | 0.13% | 1.48% | 75.1% |
| Q3 2025 | 74 | $1.6B | 9.99% | 0.14% | 1.46% | 71.4% |
| Q2 2025 | 74 | $1.6B | 10.06% | 0.12% | 1.41% | 71.9% |
| Q1 2025 | 72 | $1.5B | 10.05% | 0.20% | 1.31% | 73.4% |
| Q4 2024 | 72 | $1.5B | 9.75% | 0.13% | 1.30% | 72.9% |
| Q3 2024 | 73 | $1.5B | 9.94% | 0.11% | 1.28% | 71.6% |
| Q2 2024 | 72 | $1.4B | 9.72% | 0.10% | 1.23% | 73.1% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First State Bank of UvaldeBank Uvalde, TX | 75 out of 100, Strong | $1.7B | 15.7% | 1.27% | vs |
| Community National Bank & Trust of TexasBank Corsicana, TX | 76 out of 100, Strong | $1.7B | 10.6% | 0.09% | vs |
| Benchmark BankBank Plano, TX | 60 out of 100, Moderate | $1.6B | 8.5% | 0.18% | vs |
| First National Bank of Central TexasBank Waco, TX | 81 out of 100, Strong | $1.8B | 10.8% | 0.10% | vs |
| North Dallas Bank & Trust Co.Bank Dallas, TX | 51 out of 100, Below average | $1.8B | 10.2% | 1.54% | vs |
| The Moody National BankBank Galveston, TX | 73 out of 100, Strong | $1.5B | 15.9% | 1.03% | vs |
Deposit insurance
Is my money safe at Commercial Bank of Texas, National Association?
Yes. Commercial Bank of Texas, National Association is an FDIC-insured institution (FDIC certificate #1209). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 29.5% of deposits ($442.5M) are above the $250,000 FDIC insurance limit, close to the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.60%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.69% (benchmark: 10%).
24 locations
Branches
Commercial Bank of Texas, National Association lists 23 offices in 18 cities. Most locations:
- Nacogdoches, TX (4)
- Lufkin, TX (3)
- Alba, TX (1)
- Allen, TX (1)
- Beaumont, TX (1)
- Bedford, TX (1)
- Cushing, TX (1)
- Diboll, TX (1)
- Elkhart, TX (1)
- Emory, TX (1)
- Farmersville, TX (1)
- Kennard, TX (1)
Identity & history
Profile
- Legal name
- Commercial Bank of Texas, National Association
- Former names
- Commercial National Bank in Nacogdoches; Commercial State Bank
- Type
- National bank
- FDIC certificate #
- 1209
- RSSD ID
- 885869
- Primary regulator
- OCC
- Holding company
- Nacogdoches Coml Bancshares
- Established
- October 14, 1901
- Headquarters
- 215 E Main St, Nacogdoches, TX 75961
- Website
- www.cbtx.com
- Employees
- 273
Quick answers
Commercial Bank of Texas, National Association: common questions
Is Commercial Bank of Texas, National Association FDIC insured?
Yes. Commercial Bank of Texas, National Association is an FDIC-insured institution (FDIC certificate #1209). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Commercial Bank of Texas, National Association's TellerScore?
77 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Commercial Bank of Texas, National Association ever failed?
There is no failure record for FDIC certificate #1209 in the FDIC failed bank list.
How many branches does Commercial Bank of Texas, National Association have?
24 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Nacogdoches
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Angelina County Teachers Credit UnionCredit union Lufkin, TX | 100 out of 100, Very strong | $12.9M | 18.4% | 0.04% | vs |
| Lufkin Federal Credit UnionCredit union Lufkin, TX | 99 out of 100, Very strong | $47.8M | 26.3% | 0.14% | vs |
| Aspire Credit UnionCredit union Lufkin, TX | 94 out of 100, Very strong | $38.0M | 20.5% | 0.05% | vs |
| East Texas Professional Credit UnionCredit union Longview, TX | 90 out of 100, Very strong | $1.4B | 19.4% | 0.41% | vs |
| Austin Bank, Texas National AssociationBank Jacksonville, TX | 88 out of 100, Very strong | $3.3B | 15.1% | 0.60% | vs |
| Southland Federal Credit UnionCredit union Lufkin, TX | 85 out of 100, Very strong | $89.2M | 14.4% | 0.62% | vs |