TellerScore

Commercial National Bank of Texarkana is a national bank headquartered in Texarkana, Texas, in business for about 62 years. At the end of Q2 2026 it reported $330.1M in total assets and $305.3M in deposits, with 6 offices across 2 states.

Based on its Q2 2026 filing, Commercial National Bank of Texarkana scores 58/100, which we describe as moderate. That is higher than only 16% of 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 310th. Its strongest component is earnings (100/100; 2.16%), and its lowest is loan quality (34/100; 1.99%).

TellerScore · Q2 2026

Scorecard

Capital cushion50/100
Tier 1 leverage ratio: 10.01%
Loan quality34/100
Noncurrent loans ÷ total loans: 1.99%
Earnings100/100
Return on assets (annualized): 2.16%
Funding & liquidity59/100
Loans ÷ deposits and uninsured-deposit share: 81.4% · 32.4% uninsured
Problem-loan coverage60/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 20.17%

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 fell 19 points (77 → 58), mostly because the loan quality component weakened by 65 points.

TellerScore
586878Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202474
Q3 202475
Q4 202473
Q1 202576
Q2 202577
Q3 202578
Q4 202577
Q1 202658
Q2 202658
Tier 1 leverage ratio
5.00%7.51%10.02%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.45%
Q3 20249.66%
Q4 20249.34%
Q1 20259.85%
Q2 20259.80%
Q3 202510.00%
Q4 20259.64%
Q1 202610.02%
Q2 202610.01%
Noncurrent loans
0.00%1.04%2.07%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.01%
Q4 20240.01%
Q1 20250.00%
Q2 20250.02%
Q3 20250.03%
Q4 20250.04%
Q1 20262.07%
Q2 20261.99%
Return on assets
1.41%1.78%2.16%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.45%
Q3 20241.47%
Q4 20241.41%
Q1 20251.58%
Q2 20251.71%
Q3 20251.87%
Q4 20251.88%
Q1 20262.09%
Q2 20262.16%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202658$330.1M10.01%1.99%2.16%81.4%
Q1 202658$330.3M10.02%2.07%2.09%78.6%
Q4 202577$328.4M9.64%0.04%1.88%78.6%
Q3 202578$324.0M10.00%0.03%1.87%76.2%
Q2 202577$318.5M9.80%0.02%1.71%76.7%
Q1 202576$317.4M9.85%0.00%1.58%73.6%
Q4 202473$312.7M9.34%0.01%1.41%74.8%
Q3 202475$311.0M9.66%0.01%1.47%75.7%
Q2 202474$307.1M9.45%0.00%1.45%79.3%

2,650 peers · $100 million – $1 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).

Capital ratio10.01%
32nd
Total risk-based capital15.63%
71st
Problem loans1.99%
13th
Net charge-offs0.01%
46th
Return on assets2.16%
90th
Net interest margin4.57%
82nd
Efficiency ratio53.1%
76th
Loans to deposits81.4%
46th
Uninsured deposits32.4%
22nd
Loan-loss reserves0.87%
15th
Texas ratio20.2%
6th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Texana Bank, National AssociationBank Linden, TX53 out of 100, Below average$330.6M9.1%1.36%vs
Global One BankBank Houston, TX84 out of 100, Strong$333.2M14.5%0.27%vs
Columbus State BankBank Columbus, TX86 out of 100, Very strong$326.5M14.5%0.00%vs
First State Bank of BurnetBank Burnet, TX86 out of 100, Very strong$325.8M12.5%0.13%vs
Security State BankBank Farwell, TX88 out of 100, Very strong$338.0M14.6%0.03%vs
Integrity Bank SSBBank Houston, TX78 out of 100, Strong$339.6M14.5%0.00%vs

Deposit insurance

Is my money safe at Commercial National Bank of Texarkana?

Yes. Commercial National Bank of Texarkana is an FDIC-insured institution (FDIC certificate #19024). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 32.4% of deposits ($99.0M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.01%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.63% (benchmark: 10%).

Check how much of your own balance is covered

6 locations

Branches

Commercial National Bank of Texarkana lists 6 offices in 3 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Commercial National Bank of Texarkana reported 83 home-loan applications under HMDA (LEI 549300SG7DAVFO3NTC34): 65 originated ($17,975,000 total), 7 denied, and 11 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.7%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Commercial National Bank of Texarkana
Type
National bank
FDIC certificate #
19024
RSSD ID
794149
Primary regulator
OCC
Holding company
Commercial Bancshares Inc
Established
February 5, 1964
Headquarters
5515 Summerhill Rd, Texarkana, TX 75503
Employees
59

Quick answers

Commercial National Bank of Texarkana: common questions

Is Commercial National Bank of Texarkana FDIC insured?

Yes. Commercial National Bank of Texarkana is an FDIC-insured institution (FDIC certificate #19024). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Commercial National Bank of Texarkana's TellerScore?

58 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Commercial National Bank of Texarkana ever failed?

There is no failure record for FDIC certificate #19024 in the FDIC failed bank list.

How many branches does Commercial National Bank of Texarkana have?

6 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Texarkana

InstitutionScoreAssetsCapitalProblem loansCompare
Domino Federal Credit UnionCredit union Texarkana, TX96 out of 100, Very strong$86.6M17.5%0.35%vs
Federal Employees Credit UnionCredit union Texarkana, TX83 out of 100, Strong$2.9M22.9%0.00%vs
State Bank of De KalbBank De Kalb, TX82 out of 100, Strong$519.9M12.2%0.24%vs
Texar Federal Credit UnionCredit union Texarkana, TX81 out of 100, Strong$440.5M16.4%0.72%vs
The City National Bank of Sulphur SpringsBank Sulphur Springs, TX78 out of 100, Strong$1.4B9.8%0.15%vs
Red River Employees Federal Credit UnionCredit union Texarkana, TX77 out of 100, Strong$1.6B13.9%0.94%vs