🏦Bank Scorer

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

Adequate

ROA 2.09%

Institution Profile

FDIC BankFind

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%

ROE

31.95%

Risk-Based Capital

15.52%

Regulatory minimum: 8%

Peer Comparison

Small banks

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

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

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Branch Footprint

FDIC SOD 2025

Total Branches

6

Branch Deposits

$299M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20245785.96%1.75%
20237064.29%2.86%
20197486.49%1.35%
20185981.36%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

7 previous ratings locked — dating 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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