# COMMERCIAL BANK OF TEXAS NA
NACOGDOCHES, TX · FDIC certificate 1209 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.69B | |
| Deposits | $1.50B | |
| Loans and leases | $1.17B | |
| Total equity | $171.6M | |
| Loans / deposits | 77.02% (p27 of band) | 87.10% |
| Liquid assets / assets | 27.44% (p71 of band) | |
| Uninsured deposits / deposits | 29.50% (p45 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p13 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.60% (p52 of band) | 10.50% |
| Unrealized securities loss / equity | -10.36% (p39 of band) | -7.75% |
| AOCI / equity | -1.68% (p6 of band) | |
| ROA (annualized) | 1.62% (p75 of band) | 1.26% |
| Net interest margin | 4.35% (p82 of band) | 3.70% |
| Efficiency ratio | 55.54% (p40 of band) | |
| Noncurrent loans | 0.14% (p18 of band) | 0.51% |
| Net charge-offs (annualized) | 0.07% (p71 of band) | |
| Reserve coverage of noncurrent | 1052.81% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 80.52% (p79 of band) | |
| Auto loans | $13.0M (1.11% of loans; DQ 0.57%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 4.3% | |
| Employees | 273 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | charge-offs p90 |  |
| 2017-06 | 2 | reserve under noncurrent |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 0 |  | charge-offs p90, reserve under noncurrent |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | capital falling |  |
| 2022-03 | 4 | charge-offs p90, construction >100% equity, uninsured deposits leaving |  |
| 2022-06 | 4 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling, charge-offs p90 |
| 2022-09 | 4 | charge-offs p90 | uninsured deposits leaving |
| 2022-12 | 4 | uninsured deposits leaving | charge-offs p90 |
| 2023-03 | 2 |  | AOCI drag >20% of equity, uninsured deposits leaving |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 1 |  | securities losses >30% of equity |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | construction >100% equity |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-04-08 [Best Banks and Credit Unions in Texas 2024 - Newsweek Rankings](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPaHVBQTVTZmk3enlkTEFtTmNFVlFWMlpoMmJXcXZocEVHeXp1dmNJS1daUkpqVDROaXhqbnRhQXFSRmJfNXNmSkJhYW9UZDctTUl5bzVKQkpuWUpfNDg3TGRSajRaTFFYa2hpX1BUSFh6OGdibzFUX050UktoUmQtdTlqanY2NGM2cWNj?oc=5) · Newsweek Rankings
- 2015-05-03 [5/3 Business connections - The Lufkin Daily News](https://news.google.com/rss/articles/CBMisAFBVV95cUxPMl9nWmdKY0hhTU9jeHptd1pybUVJMW9Zb1lnRS1MT2k5a1hNTFFXUlZvWWhJTkpYSTNIS2Z1X01zOUhVdTg1c3pqS0JvbFRuM25Cci14cWljdDdHMk41anVnVzJhRk1nX0ZfdGZPY0lXYnhTcl9wWjNycmdWNHZiTHRZYUxPWmVsWlN1dTdWUl8zdmVBdl9WbWhLUlN5OXNxcWtBNUhFQ09vajd3UklubQ?oc=5) · The Lufkin Daily News
- 2023-05-10 [Farmersville Man Killed in Allen Shooting Commended for Bravery, Remembered as ‘Absolutely Wonderful' - NBC 5 Dallas-Fort Worth](https://news.google.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?oc=5) · NBC 5 Dallas-Fort Worth
- 2014-01-01 [Floyd Wright Obituary - Lufkin, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMifkFVX3lxTE1Ja2tJWkZUTHdfSW5GaVVaYmJnNUtsYXhyenZBYjhCY05BNkVVNmpCNlk2dldqeHFlWml0T1JSdEhabUtZS3U1UHowU2xnei1XWlpnYzZ6LVpMdWthS2dPQWJObFhuWHBHZ3o2RGRualdhVlZ6MDdwVnRYOXJpUQ?oc=5) · Dignity Memorial
- 2025-03-28 [Banks Are Quietly Disappearing—What It Means for Your Money - Newsweek](https://news.google.com/rss/articles/CBMilwFBVV95cUxPWXRqTTVUckNGVmE5TzN0MU5oUURxUnk4LVNBNzFjR2ZSc19qWnJPb1pJS3cyUi04bDRFMXZNZG8wVnZ0d1Q1dXZHRzdpSHJCOVh6S1FWN1o3eVFROENzdWN4MGZhRl9pYkdBa3N5SlNLbjdlVFRVSWFYYWQ4eU9LS2pURDhLRlFON2p1RHRWVWNlcUJkUWpN?oc=5) · Newsweek
- 2026-02-06 [02/06/26 On the record - The Lufkin Daily News](https://news.google.com/rss/articles/CBMixAFBVV95cUxNMUVkbGYyOGpkVFdBTTlfR2FPWUJQSXJGQnR3WUgyZWZ5cVVxZlY1b1pXZEI0T3pkeW9nRk4xRG43eTdZQ21GdVZ2NjBwQU9NRURwYWRYSjFjRmM3dXpfREt4NFo0ZFJGdlJUMUdsZThBRU94bk5mMUJqRE41c2dRaFZhQWFYNkRwMEZtMWpCZUhRTWNkTG1FaEh4bUlSYk5OcEVDTENtMEhmX3dQUF95N1E2WS1IRWpYSWx1RHlUbDJ1N0F5?oc=5) · The Lufkin Daily News
- 2025-03-24 [US Bank Closures: Full List in 2025 So Far - Newsweek](https://news.google.com/rss/articles/CBMickFVX3lxTFAtNE5lMnV1OEVoa1hpOVZRVlQ3enA4NzhFeVYzSFg4R1lGb1NyMnl6aW9ZNXl2eWc1YUk3RVlReHVtZ3ZxWVg4R0VDTlMtcXFCaTRqQVAwcmNFSEJvVkVaWDVJLVVvNHJMUzd3dHlFR0NJQQ?oc=5) · Newsweek

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1209 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/57.json (key "1209", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide