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Commercial Bank Of Texas, National Association

Nacogdoches, TX · Est. 1901 · Website ↗
A
Trust Grade
Excellent
Score: 97/100

Commercial Bank Of Texas, National Association is a bank based in Nacogdoches, Texas, established in 1901, with $1.7 billion in total assets across 23 branches. By Trust Grade it ranks 166th of 349 banks we track in Texas. Its capital ratio of 9.7% trails most similarly sized banks (40th percentile), versus a Texas median of 10.9%. It was profitable over the most recent period, with a 1.64% return on assets. No consumer complaints against Commercial Bank Of Texas, National Association appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$1.7B
$1B–10B institution
Deposits
$1.5B
Branches
23
Capital ratio
9.7%
Bottom 40% of $1B–10B peers · Texas median 10.9%
Return on assets
1.6%
Top 23% of $1B–10B peers · Texas median 1.38%
Rank in Texas
#166
of 349 banks

How Commercial Bank Of Texas, National Association compares to Texas peers

Capital ratio
Bottom 40% of $1B–10B peers
Commercial Bank
9.7%
Texas median
10.9%
Higher capital ratio = stronger financial cushion
Return on assets
Top 23% of $1B–10B peers
Commercial Bank
1.6%
Texas median
1.4%
Higher ROA = more profitable relative to asset base

How we graded Commercial Bank Of Texas, National Association

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
97/100
Customer experience
n/a
Overall
A · 97
  • Strongly capitalized (9.7% capital ratio)
  • Strongly profitable (ROA 1.64%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for Commercial Bank Of Texas, National Association over the analysis window. For a smaller institution this is common and counts in its favor.

Branch locations (23)

  • 4929 North St, Nacogdoches, TX 75965
  • 215 E Main St, Nacogdoches, TX 75961
  • 1901 Tulane Dr, Lufkin, TX 75901
  • 7463 E Us Highway 69, Alba, TX 75410
  • 7th And Spruce Streets, Cushing, TX 75760
  • 107 E Quitman St, Emory, TX 75440
  • 600 S 1st St, Lufkin, TX 75901
  • 501 N Temple Dr, Diboll, TX 75941
  • 1523 W Frank Ave, Lufkin, TX 75904
  • 1716 Forest Ridge Dr, Bedford, TX 76022
  • 201 S Mill St, Lewisville, TX 75057
  • 1629 N University Dr, Nacogdoches, TX 75961
  • 201 State Highway 78 S, Farmersville, TX 75442
  • 222 Vista Blvd, Nacogdoches, TX 75962
  • 1219 W Mcdermott Dr, Allen, TX 75013
  • 210 Harrison Ave, Roxton, TX 75477
  • 109 W Parker St, Elkhart, TX 75839
  • 217 Rusk Ave, Wells, TX 75976
  • 2121 South Loop 256, Palestine, TX 75801
  • 321 N Central Expy, Mckinney, TX 75070
  • 401 W Main St, Kennard, TX 75847
  • 102 W Columbia St, San Augustine, TX 75972
  • 215 E Main St, Nacogdoches, TX 75961

Are deposits at Commercial Bank Of Texas, National Association insured?

Yes. Commercial Bank Of Texas, National Association is an FDIC-insured bank (FDIC certificate #1209). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

Commercial Bank Of Texas, National Association: frequently asked questions

Is Commercial Bank Of Texas, National Association a good bank?

Commercial Bank Of Texas, National Association earns a Bankzia Trust Grade of A (97/100, "Excellent"), based on a financial-strength score of 97/100 (it has no CFPB complaints on record). Strongly capitalized (9.7% capital ratio); Strongly profitable (ROA 1.64%).

Is Commercial Bank Of Texas, National Association FDIC-insured?

Yes. Commercial Bank Of Texas, National Association is a FDIC-insured bank (FDIC certificate #1209). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.

How big is Commercial Bank Of Texas, National Association?

Commercial Bank Of Texas, National Association holds $1.7 billion in total assets, ranking 166th of 349 banks we track in Texas. It operates 23 branches.

Does Commercial Bank Of Texas, National Association have CFPB complaints?

No CFPB complaints against Commercial Bank Of Texas, National Association appear in our data over the analysis window, which is typical for a bank of this size.

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Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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