COMMERCIAL NATIONAL BANK OF TEXARKANA

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

Est. 1964FDIC #19,024

Satisfactory Same

Current rating · Exam: June 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 2.09%

Institution Profile

FDIC BankFind

Website

www.cnbtxk.com

Address

5515 Summerhill Rd, TEXARKANA, TX

County

Bowie County

Established

February 5, 1964

Total Assets

$330M(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

June 12, 2023

Exam Type

Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

Estimated next exam:Jun 2028(based on asset size)

Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$330M

Total Deposits

$307M

Net Loans

$241M

Net Income

$2M

ROA

2.09%

Above avg for Small banks. Peer avg: 0.44%

ROE

31.95%

Risk-Based Capital

15.52%

Below avg for Small banks. Regulatory min: 8%

Peer Comparison

Small banks

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

ROA2.09%Peer avg: 0.44%▲ Above avg

Risk-Based Capital15.52%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate1.75%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$299M

1-Year Change

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	57	85.96%	1.75%
2023	70	64.29%	2.86%
2019	74	86.49%	1.35%
2018	59	81.36%	3.39%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

Exam Date	Rating	Exam Type
Jun 2023	Satisfactory	Small Bank
Apr 2019	Satisfactory	Small Bank
Sep 2013	Outstanding	Small Bank

5 previous ratings locked — back to 1993

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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