COMMERCIAL BANK OF TEXAS, NATIONAL ASSOCIATION

NACOGDOCHES, TX · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1901FDIC #1,209

Satisfactory Same

Current rating · Exam: May 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.64%

Institution Profile

FDIC BankFind

Website

www.cbtx.com

Address

215 E Main St, NACOGDOCHES, TX

County

Nacogdoches County

Established

October 14, 1901

Total Assets

$1.7B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

May 19, 2025

Exam Type

Intermediate Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

Estimated next exam:May 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.7B

Total Deposits

$1.5B

Net Loans

$1.1B

Net Income

$7M

ROA

1.64%

Above avg for Community banks. Peer avg: 0.90%

ROE

16.66%

Risk-Based Capital

16.61%

Above avg for Community banks. Regulatory min: 8%

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

ROA1.64%Peer avg: 0.90%▲ Above avg

Risk-Based Capital16.61%Peer avg: 12.91%▲ Above avg

Mortgage Denial Rate9.24%Peer avg: 9.91%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$1.4B

1-Year Change

5-year net change: +2 branches

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	541	76.16%	9.24%
2023	602	76.08%	11.96%
2022	877	79.36%	9.46%
2021	1,486	66.62%	15.95%
2020	1,635	72.66%	14.62%
2019	896	73.1%	15.74%
2018	764	65.31%	20.42%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
May 2025	Satisfactory	Intermediate Small Bank
May 2022	Satisfactory	Intermediate Small Bank
Jun 2019	Satisfactory	Intermediate Small Bank

8 previous ratings locked — back to 1994

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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