Community National Bank & Trust of Texas: how it compares with its peers
Against 78 TX banks with half to twice its assets, Community National Bank & Trust of Texas's strongest measure in Q2 2026 is net interest margin (4.65% vs. a 4.02% peer median). Its weakest relative measure is assets per employee ($6.8M vs. $8.6M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.66% | 1.46% | Middle third Ahead of 64% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.65% | 4.02% | Top third Ahead of 77% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 56.20% | 58.36% | Middle third Ahead of 58% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.8M | $8.6M | Bottom third Ahead of 23% of peers |
| Loans to deposits Net loans and leases over total deposits. | 83.10% | 80.05% | Context |
What it means for lending operations
Its efficiency ratio of 56.20% 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
- Commercial Bank of Texas, National Association Nacogdoches, TX · $1.69B
- 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 Community National Bank & Trust of Texas
How big is Community National Bank & Trust of Texas?
Community National Bank & Trust of Texas, established in 1934, is headquartered in Corsicana, TX. It reported $1.68B in total assets in its Q2 2026 FDIC call report and operates 18 offices.
What is Community National Bank & Trust of Texas's return on assets?
1.66% annualized in Q2 2026, against a 1.46% median for 78 TX banks with half to twice its assets, ahead of 64% of them.
What is Community National Bank & Trust of Texas's efficiency ratio?
56.20% 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 Community National Bank & Trust of Texas growing its loans?
Net loans grew 2.0% over the year to Q2 2026, while deposits grew 6.2%.
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.