Commercial National Bank of Texarkana: how it compares with its peers
Against 142 TX banks with half to twice its assets, Commercial National Bank of Texarkana's strongest measure in Q2 2026 is return on assets (2.16% vs. a 1.44% peer median). Its weakest relative measure is assets per employee ($5.6M vs. $7.0M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.16% | 1.44% | Top third Ahead of 82% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.57% | 4.17% | Top third Ahead of 76% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 53.12% | 61.41% | Top third Ahead of 70% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.6M | $7.0M | Bottom third Ahead of 25% of peers |
| Loans to deposits Net loans and leases over total deposits. | 81.40% | 68.62% | Context |
What it means for lending operations
Its efficiency ratio of 53.12% is better than the 61.41% 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
- Texana Bank, National Association Linden, TX · $331M
- Global One Bank Houston, TX · $333M
- Columbus State Bank Columbus, TX · $326M
- First State Bank of Burnet Burnet, TX · $326M
- Security State Bank Farwell, TX · $338M
- Integrity Bank SSB Houston, TX · $340M
Questions about Commercial National Bank of Texarkana
How big is Commercial National Bank of Texarkana?
Commercial National Bank of Texarkana, established in 1964, is headquartered in Texarkana, TX. It reported $330M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is Commercial National Bank of Texarkana's return on assets?
2.16% annualized in Q2 2026, against a 1.44% median for 142 TX banks with half to twice its assets, ahead of 82% of them.
What is Commercial National Bank of Texarkana's efficiency ratio?
53.12% in Q2 2026: it spent about 53 cents in noninterest expense for each dollar of revenue. The peer median is 61.41%, and lower is better.
Is Commercial National Bank of Texarkana growing its loans?
Net loans grew 8.4% over the year to Q2 2026, while deposits grew 2.1%.
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.