COMMUNITY NATIONAL BANK & TRUST OF TEXAS

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

Est. 1934FDIC #18,185

Satisfactory Same

Current rating · Exam: June 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.61%

Institution Profile

FDIC BankFind

Website

WWW.MYBANKTX.COM

Address

321 N 15th St, CORSICANA, TX

County

Navarro County

Established

January 1, 1934

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

June 3, 2024

Exam Type

Intermediate 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)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.7B

Total Deposits

$1.4B

Net Loans

$1.2B

Net Income

$7M

ROA

1.61%

Above avg for Community banks. Peer avg: 0.90%

ROE

14.00%

Risk-Based Capital

14.13%

Above avg for Community banks. Regulatory min: 8%

Peer Comparison

Community banks

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

ROA1.61%Peer avg: 0.90%▲ Above avg

Risk-Based Capital14.13%Peer avg: 12.91%▲ Above avg

Mortgage Denial Rate1.55%Peer avg: 9.91%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$1.3B

1-Year Change

5-year net change: +4 branches

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	194	82.47%	1.55%
2023	183	85.25%	0.55%
2022	277	86.28%	2.89%
2021	302	89.4%	1.99%
2020	317	85.49%	5.68%
2019	329	82.07%	6.08%
2018	275	83.64%	5.09%

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
Jun 2024	Satisfactory	Intermediate Small Bank
Mar 2021	Satisfactory	Intermediate Small Bank
Nov 2017	Satisfactory	Intermediate Small Bank

4 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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