The Commercial Bank (FDIC certificate #19595) is based in Mason, Texas. Its Q2 2026 call report shows $114.6M in total assets and $99.1M in deposits and 1 office.
The Commercial Bank has a TellerScore of 79 out of 100 (strong) based on Q2 2026 data — higher than 75% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 109th. Loan quality contributes the most (100/100, 0.00%); capital cushion contributes the least (49/100, 9.95%).
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
The score has been essentially flat from Q2 2025 to Q2 2026 (80 → 79).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 78 |
| Q3 2024 | 79 |
| Q4 2024 | 78 |
| Q1 2025 | 79 |
| Q2 2025 | 80 |
| Q3 2025 | 81 |
| Q4 2025 | 81 |
| Q1 2026 | 78 |
| Q2 2026 | 79 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.80% |
| Q3 2024 | 10.22% |
| Q4 2024 | 10.23% |
| Q1 2025 | 10.16% |
| Q2 2025 | 9.87% |
| Q3 2025 | 10.05% |
| Q4 2025 | 10.32% |
| Q1 2026 | 9.69% |
| Q2 2026 | 9.95% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.04% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.33% |
| Q3 2024 | 1.26% |
| Q4 2024 | 1.23% |
| Q1 2025 | 1.38% |
| Q2 2025 | 1.51% |
| Q3 2025 | 1.54% |
| Q4 2025 | 1.54% |
| Q1 2026 | 1.42% |
| Q2 2026 | 1.56% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 79 | $114.6M | 9.95% | 0.00% | 1.56% | 44.5% |
| Q1 2026 | 78 | $114.2M | 9.69% | 0.00% | 1.42% | 44.4% |
| Q4 2025 | 81 | $111.5M | 10.32% | 0.00% | 1.54% | 46.1% |
| Q3 2025 | 81 | $108.2M | 10.05% | 0.00% | 1.54% | 47.5% |
| Q2 2025 | 80 | $112.0M | 9.87% | 0.00% | 1.51% | 44.3% |
| Q1 2025 | 79 | $111.8M | 10.16% | 0.00% | 1.38% | 44.4% |
| Q4 2024 | 78 | $105.7M | 10.23% | 0.04% | 1.23% | 46.2% |
| Q3 2024 | 79 | $106.8M | 10.22% | 0.00% | 1.26% | 46.2% |
| Q2 2024 | 78 | $105.4M | 9.80% | 0.00% | 1.33% | 41.6% |
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).
Similar-size banks in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Lytle State Bank of Lytle, TexasBank Lytle, TX | 79 out of 100, Strong | $114.6M | 14.6% | 0.53% | vs |
| Henderson Federal Savings BankBank Henderson, TX | 60 out of 100, Moderate | $117.7M | 25.9% | 3.49% | vs |
| Lone Oak Bank, National AssociationBank Eldorado, TX | 67 out of 100, Moderate | $119.6M | 15.3% | 3.08% | vs |
| Citizens National BankBank Crockett, TX | 80 out of 100, Strong | $108.8M | 12.8% | 0.00% | vs |
| The Cowboy Bank of TexasBank Maypearl, TX | 77 out of 100, Strong | $108.6M | 17.5% | 2.29% | vs |
| The First State BankBank Abernathy, TX | 68 out of 100, Moderate | $121.4M | 13.5% | 2.13% | vs |
Deposit insurance
Is my money safe at The Commercial Bank?
Yes. The Commercial Bank is an FDIC-insured institution (FDIC certificate #19595). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 24.8% of deposits ($24.5M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.95%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
1 location
Branches
The Commercial Bank lists 1 office in 1 city. Most locations:
- Mason, TX (1)
Identity & history
Profile
- Legal name
- The Commercial Bank
- Type
- State-chartered bank
- FDIC certificate #
- 19595
- RSSD ID
- 491653
- Primary regulator
- FDIC
- Holding company
- Commercial Co Inc
- Established
- April 4, 1966
- Headquarters
- 100 Moody St, Mason, TX 76856
- Website
- www.tcbmason.com
- Employees
- 12
Quick answers
The Commercial Bank: common questions
Is The Commercial Bank FDIC insured?
Yes. The Commercial Bank is an FDIC-insured institution (FDIC certificate #19595). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Commercial Bank's TellerScore?
79 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 The Commercial Bank ever failed?
There is no failure record for FDIC certificate #19595 in the FDIC failed bank list.
How many branches does The Commercial Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Mason
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Mason BankBank Mason, TX | 73 out of 100, Strong | $147.5M | 19.9% | 2.45% | vs |
| The Huntington National BankBank Columbus, OH | 59 out of 100, Moderate | $283.1B | 9.3% | 1.06% | vs |