Commercial Bank of Texas, National Association: how it compares with its peers
Against 78 TX banks with half to twice its assets, Commercial Bank of Texas, National Association's strongest measure in Q2 2026 is net interest margin (4.35% vs. a 4.02% peer median). Its weakest relative measure is assets per employee ($6.2M vs. $8.6M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.62% | 1.46% | Middle third Ahead of 60% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.35% | 4.02% | Middle third Ahead of 62% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 55.54% | 58.36% | Middle third Ahead of 59% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.2M | $8.6M | Bottom third Ahead of 18% of peers |
| Loans to deposits Net loans and leases over total deposits. | 77.02% | 80.49% | Context |
What it means for lending operations
Its efficiency ratio of 55.54% is better than the 58.36% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- First State Bank of Uvalde Uvalde, TX · $1.68B
- Community National Bank & Trust of Texas Corsicana, TX · $1.68B
- Benchmark Bank Plano, TX · $1.65B
- First National Bank of Central Texas Waco, TX · $1.77B
- North Dallas Bank & Trust Co. Dallas, TX · $1.81B
- The Moody National Bank Galveston, TX · $1.54B
Questions about Commercial Bank of Texas, National Association
How big is Commercial Bank of Texas, National Association?
Commercial Bank of Texas, National Association, established in 1901, is headquartered in Nacogdoches, TX. It reported $1.69B in total assets in its Q2 2026 FDIC call report and operates 24 offices.
What is Commercial Bank of Texas, National Association's return on assets?
1.62% annualized in Q2 2026, against a 1.46% median for 78 TX banks with half to twice its assets, ahead of 60% of them.
What is Commercial Bank of Texas, National Association's efficiency ratio?
55.54% in Q2 2026: it spent about 56 cents in noninterest expense for each dollar of revenue. The peer median is 58.36%, and lower is better.
Is Commercial Bank of Texas, National Association growing its loans?
Net loans grew 11.7% over the year to Q2 2026, while deposits grew 4.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.