Commercial Bank of TX, N.A.

Commercial Bank of TX, N.A. is headquartered in Nacogdoches and is the 99^th largest bank in the state of Texas. It is also the 1,399^th largest bank in the nation. It was established in 1901 and as of March of 2012, it had grown to 151 employees at 16 locations. Commercial Bank of TX, N.A. has a 5-star health rating.

Data for Q1 2012

Institution Statistics Commercial Bank of Texas, National Association FDIC Certificate # 1209 BankRate Report View Year Established 1901 Employees 151 Primary Regulator OCC Assets and Liabilities Assets $482.13 million Loans $178.35 million Deposits $422.52 million Equity Capital $44.26 million Loan Loss Allowance $2.67 million Unbacked Noncurrent Loans $430,000 Real Estate Owned $2.81 million Historic Data - March 2011 Assets $412.26 million Equity Capital $40.47 million Loan Loss Allowance $2.76 million Unbacked Noncurrent Loans $1.03 million Real Estate Owned $77,000 Profit Margin - Quarterly Net Interest Margin 3.23% Return on Assets 0.99% Return on Equity 10.32% Interest Income $4.23 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Commercial Bank of TX, N.A. had $3.24 million in non-current loans and owned real-estate with $46.92 million in equity and loan loss allowances on hand to cover it. This gives Commercial Bank of TX, N.A. a Texas Ratio of 6.90% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Commercial Bank of TX, N.A. held steady from 6.91% as of March 31, 2011 to 6.90% as of March 31, 2012, resulting in a positive change of 0.11%.This indicates that the balance sheet and financial strength for Commercial Bank of TX, N.A. has held steady in recent periods. Deposit Growth In the past year, Commercial Bank of TX, N.A. has increased its total deposits by $63.53 million, resulting in 17.7% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Commercial Bank of TX, N.A. has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Commercial Bank of TX, N.A. has $482.13 million in assets with $46.92 million in equity, resulting in a capitalization level of 9.73%, which is average.

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