321 N 15th St
Corsicana, TX 75110
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Community National Bank & Trust of Texas is an FDIC insured institution located in Corsicana, TX. It was founded in 1934 and has approximately $1.28 billion in assets. Customers can open an account at one of its 14 branches.
FDIC Insured | Yes |
FDIC Certificate | # 18185 |
Date Established | 1934 |
Assets | $ 1,281.39 million |
Loans | $ 860.80 million |
Deposits | $ 1,077.50 million |
Capital | $ 142.16 million |
For a more detailed analysis of Community National Bank & Trust of Texas's financial condition and a description of what these numbers mean, please visit the Financial Details section.
Your Current Location: Ohio, OH 43085
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Community National Bank & Trust of Texas
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Lender | APR | Rate (%) | Monthly Payment |
Learn More |
---|---|---|---|---|
NMLS ID: 1835285 |
6.380% |
6.250% 0.88 points $4,400 fees |
$1,971 | Learn More |
NMLS ID: 2578474 |
6.482% |
6.375% 0.75 points $3,610 fees |
$1,997 | Learn More |
NMLS ID: 3029 |
6.643% |
6.500% 1.00 points $4,944 fees |
$2,023 | Learn More |
NMLS ID: 447490 |
6.758% |
6.625% 1.00 points $4,425 fees |
$2,049 | Learn More |
Lender | APR (%)? | Monthly Payment? | Learn More |
---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR
7.490 %
After Intro: 7.490 % |
$0 |
Learn More
More Info |
Achieve Loans See Table |
Intro APR
9.250 %
After Intro: 9.250 % |
$0 |
Learn More
More Info |
Note to Community National Bank & Trust of Texas
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Community National Bank & Trust of Texas branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Branch | Distance | Map | View Lobby Hours |
---|---|---|---|
891.92 | A | View Lobby Hours | |
895.03 | B | View Lobby Hours | |
897.21 | C | View Lobby Hours | |
897.44 | D | View Lobby Hours | |
900.23 | E | View Lobby Hours | |
907.99 | F | View Lobby Hours | |
910.14 | G | View Lobby Hours | |
914.61 | H | View Lobby Hours | |
914.83 | I | View Lobby Hours | |
915.94 | J | View Lobby Hours | |
929.56 | K | View Lobby Hours | |
941.10 | L | View Lobby Hours | |
941.26 | M | View Lobby Hours | |
953.59 | N | View Lobby Hours |
Community National Bank & Trust of Texas is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.
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The following ratios and data are available to help you better understand the financial condition of Community National Bank & Trust of Texas. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.
Community National Bank & Trust of Texas | U.S. Bank Average |
---|---|
0.28% | 4.48% |
The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.
As of June 30, 2024, Community National Bank & Trust of Texas had $432,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $142,159,000 in equity and $11,152,000 in loans loss reserves. That gives it a Texas Ratio of 0.28%.
Community National Bank & Trust of Texas | U.S. Bank Average |
---|---|
11.26% | 10.46% |
Community National Bank & Trust of Texas has a Return on Equity of 11.26% versus the BestCashCow average of 10.46%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.
Community National Bank & Trust of Texas | U.S. Bank Average |
---|---|
11.09% | 10.84% |
Community National Bank & Trust of Texas has a Capitalization of 11.09% versus the BestCashCow average of 10.84. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.
As of June 30, 2024, Community National Bank & Trust of Texas had assets of $1,281,387,000, loans of $860,801,000, and deposits of $1,077,501,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.
ASSETS | |
---|---|
Cash & Balances due from depository institutions | $ 164.23 million |
Interest-bearing balances | $ 124.64 million |
Total securities | $ 163.63 million |
Federal funds sold and reverse repurchase | N.A. |
Net loans and leases | $ 860.80 million |
Loan loss allowance | $ 11.15 million |
Trading account assets | N.A. |
Bank premises and fixed assets | N.A. |
Other real estate owned | N.A. |
Goodwill and other intangibles | $ 11.06 million |
All other assets | $ 34.81 million |
Total Assets | $ 1,139.23 million |
LIABILITIES | |
---|---|
Total deposits | $ 1,077.50 million |
Interest-bearing deposits | $ 665.98 million |
Deposits held in domestic offices | $ 1,077.50 million |
% insured (estimated) | 68.18% |
Federal funds purchased and repurchase agreements | N.A. |
Trading liabilities | N.A. |
Other borrowed funds | $ 20.00 million |
Subordinated debt | N.A. |
All other liabilities | $ 9.41 million |
Total Liabilities | $ 1,139.23 million |
Shareholders’ Equity | $ 142.16 million |
INCOME AND EXPENSES | |
---|---|
Total Interest Income | $ 33.91 million |
Total Interest Expense | $ 11.05 million |
Net interest income | $ 22.87 million |
Provision for loan and lease losses | $ 0.60 million |
Total non interest income | $ 3.94 million |
Total non interest expense | $ 16.37 million |
Pre-tax Net Operating Income | $ 9.68 million |
The top three loan types in Community National Bank & Trust of Texas’s loan portfolio are Commercial Real Estate, Construction and Development Loans, and 1-4 Family Residential Loans.
Compared to other banks in Texas, Community National Bank & Trust of Texas has a significantly higher percent of Construction and Development Loans, Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.
Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.
% Loans |
% Comparison to Other Banks |
|||
---|---|---|---|---|
Low | Med | High | ||
1-4 Family Residential Loans | 9.66 | ✓ | ||
Multifamily Mortgages |
0.29 | ✓ | ||
Credit Card Loans | 0.00 | ✓ | ||
Consumer Auto Loans | 0.48 | ✓ | ||
Small Business Loans | 7.57 | ✓ | ||
Construction and Development Loans | 19.43 | ✓ | ||
Commercial Real Estate | 38.25 | ✓ | ||
Commercial and Industrial Loans | 9.64 | ✓ | ||
Farm Loans | 1.95 | ✓ |
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