The Commercial Bank: how it compares with its peers
Against 93 TX banks with half to twice its assets, The Commercial Bank's strongest measure in Q2 2026 is assets per employee ($9.6M vs. a $6.1M peer median). Its weakest relative measure is net interest margin (3.72% vs. 4.06%).
| Measure | The Commercial Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.56% | 1.35% | Middle third Ahead of 63% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.72% | 4.06% | Bottom third Ahead of 33% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 51.18% | 64.75% | Top third Ahead of 86% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.6M | $6.1M | Top third Ahead of 91% of peers |
| Loans to deposits Net loans and leases over total deposits. | 44.50% | 56.97% | Context |
What it means for lending operations
Its efficiency ratio of 51.18% is better than the 64.75% 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
- The Lytle State Bank of Lytle, Texas Lytle, TX · $115M
- Henderson Federal Savings Bank Henderson, TX · $118M
- Lone Oak Bank, National Association Eldorado, TX · $120M
- Citizens National Bank Crockett, TX · $109M
- The Cowboy Bank of Texas Maypearl, TX · $109M
- The First State Bank Abernathy, TX · $121M
Questions about The Commercial Bank
How big is The Commercial Bank?
The Commercial Bank, established in 1966, is headquartered in Mason, TX. It reported $115M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is The Commercial Bank's return on assets?
1.56% annualized in Q2 2026, against a 1.35% median for 93 TX banks with half to twice its assets, ahead of 63% of them.
What is The Commercial Bank's efficiency ratio?
51.18% in Q2 2026: it spent about 51 cents in noninterest expense for each dollar of revenue. The peer median is 64.75%, and lower is better.
Is The Commercial Bank growing its loans?
Net loans shrank 0.8% over the year to Q2 2026, while deposits shrank 1.3%.
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.