BlastPoint's Banking Scorecard
Commercial Bank of Texas, National Association
Community
Specialty: Commercial
TX
FDIC cert 1209
Nacogdoches, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
Commercial Bank of Texas, National Association shows strong momentum with 2 strengths and 9.6% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 19% in Community
- + Revenue Diversifier: Top 45% in Community
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.6B
+9.6% YoY
-0.6% QoQ
|
+$241.0M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
74% |
| Total Loans ? |
$1.1B
+11.2% YoY
+3.9% QoQ
|
+$118.2M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
71% |
| Total Deposits ? |
$1.5B
+7.9% YoY
-1.2% QoQ
|
+$291.5M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
76% |
| Return on Assets ? |
1.48%
+13.2% YoY
+1.2% QoQ
|
+0.31% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
73% |
| Net Interest Margin ? |
4.05%
+10.1% YoY
+2.7% QoQ
|
+0.39% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
73% |
| Efficiency Ratio ? |
56.84%
-8.1% YoY
+0.1% QoQ
|
-5.79% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
68% |
| Delinquency Rate ? |
0.13%
-3.5% YoY
-9.3% QoQ
|
-0.50% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
78% |
| Loan-to-Deposit Ratio ? |
75.11%
+3.1% YoY
+5.2% QoQ
|
-7.95% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
72% |
| Non-Interest-Bearing Deposit Share ? |
25.20%
-3.5% YoY
+2.3% QoQ
|
+4.16% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
70% |
| Nonperforming Asset Ratio ? |
0.11%
+6.1% YoY
-11.4% QoQ
|
-0.39% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
77% |
| Tier 1 Capital Ratio ? |
15.36%
+4.4% YoY
-0.7% QoQ
|
+5.12% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
79% |
| Non-Interest Income / Assets ? |
1.08%
+6.3% YoY
+30.8% QoQ
|
+0.34% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Top 12% in tier |
Signature Analysis
Strengths (2)
Credit Quality Leader
growth
#70 of 371 · Top 19% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.13%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Revenue Diversifier
growth
#169 of 371 · Top 45% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.08%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.48%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
88
88th pctile
Non-Interest Income / Assets
Current: 1.08% · Tier avg: 0.74%
79
79th pctile
Tier 1 Capital Ratio
Current: 15.36% · Tier avg: 10.24%
78
78th pctile
Delinquency Rate
Current: 0.13% · Tier avg: 0.63%
77
77th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.50%
76
76th pctile
Total Deposits
Current: $1.5B · Tier avg: $1.2B
74
74th pctile
Total Assets
Current: $1.6B · Tier avg: $1.4B
73
73th pctile
Net Interest Margin
Current: 4.05% · Tier avg: 3.66%
73
73th pctile
Return on Assets
Current: 1.48% · Tier avg: 1.16%
72
72th pctile
Loan-to-Deposit Ratio
Current: 75.11% · Tier avg: 83.06%
71
71th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
70
70th pctile
Non-Interest-Bearing Deposit Share
Current: 25.20% · Tier avg: 21.05%
68
68th pctile
Efficiency Ratio
Current: 56.84% · Tier avg: 62.63%
Top Weaknesses
68
68th pctile
Efficiency Ratio
Current: 56.84% · Tier avg: 62.63%
70
70th pctile
Non-Interest-Bearing Deposit Share
Current: 25.20% · Tier avg: 21.05%
71
71th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
72
72th pctile
Loan-to-Deposit Ratio
Current: 75.11% · Tier avg: 83.06%
73
73th pctile
Return on Assets
Current: 1.48% · Tier avg: 1.16%
73
73th pctile
Net Interest Margin
Current: 4.05% · Tier avg: 3.66%
74
74th pctile
Total Assets
Current: $1.6B · Tier avg: $1.4B
76
76th pctile
Total Deposits
Current: $1.5B · Tier avg: $1.2B
77
77th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.50%
78
78th pctile
Delinquency Rate
Current: 0.13% · Tier avg: 0.63%
79
79th pctile
Tier 1 Capital Ratio
Current: 15.36% · Tier avg: 10.24%
88
88th pctile
Non-Interest Income / Assets
Current: 1.08% · Tier avg: 0.74%