Commercial National Bank of Texarkana

Commercial National Bank of Texarkana is headquartered in Texarkana and is the 255^th largest bank in the state of Texas. It is also the 3,212^st largest bank in the nation. It was established in 1964 and as of March of 2012, it had grown to 68 employees at 6 locations. Commercial National Bank of Texarkana has a 5-star health rating.

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Data for Q1 2012

Institution Statistics Commercial National Bank of Texarkana FDIC Certificate # 19024 BankRate Report View Year Established 1964 Employees 68 Primary Regulator OCC Assets and Liabilities Assets $193.31 million Loans $100.92 million Deposits $176.04 million Equity Capital $17.13 million Loan Loss Allowance $1.05 million Unbacked Noncurrent Loans $914,000 Real Estate Owned $411,000 Historic Data - March 2011 Assets $176.30 million Equity Capital $15.38 million Loan Loss Allowance $1.12 million Unbacked Noncurrent Loans $1.17 million Real Estate Owned $485,000 Profit Margin - Quarterly Net Interest Margin 3.83% Return on Assets 1.36% Return on Equity 15.58% Interest Income $1.91 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 National Bank of Texarkana had $1.32 million in non-current loans and owned real-estate with $18.18 million in equity and loan loss allowances on hand to cover it. This gives Commercial National Bank of Texarkana a Texas Ratio of 7.29% 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 National Bank of Texarkana decreased slightly from 10.05% as of March 31, 2011 to 7.29% as of March 31, 2012, resulting in a positive change of 27.47%.This indicates that the balance sheet and financial strength for Commercial National Bank of Texarkana has improved slightly in recent periods. Deposit Growth In the past year, Commercial National Bank of Texarkana has increased its total deposits by $15.32 million, resulting in 9.53% 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 National Bank of Texarkana 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 National Bank of Texarkana has $193.31 million in assets with $18.18 million in equity, resulting in a capitalization level of 9.41%, which is average.

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