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5999 Delaware Street
Beaumont, TX 77706

CommunityBank of Texas, N.A. is headquartered in Beaumont and is the 17st largest bank in the state of Texas. It is also the 297th largest bank in the nation. It was established in 1926 and as of December of 2013, it had grown to 482 employees at 35 locations. CommunityBank of Texas, N.A. has a A+ health rating.

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Data for Q4 2013

Institution Health


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 December 31, 2013 CommunityBank of Texas, N.A. had $15.79 million in non-current loans and owned real-estate with $334.74 million in equity and loan loss allowances on hand to cover it. This gives CommunityBank of Texas, N.A. a Texas Ratio of 4.72% 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 CommunityBank of Texas, N.A. decreased slightly from 6.67% as of December 31, 2012 to 4.72% as of December 31, 2013, resulting in a positive change of 29.28%.This indicates that the balance sheet and financial strength for CommunityBank of Texas, N.A. has improved slightly in recent periods.

Deposit Growth


In the past year, CommunityBank of Texas, N.A. has increased its total deposits by $639.68 million, resulting in 42.89% 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 CommunityBank of Texas, N.A. has shown is excellent.



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. CommunityBank of Texas, N.A. has $2.45 billion in assets with $334.74 million in equity, resulting in a capitalization level of 13.64%, which is excellent.

Institution Statistics

FDIC Certificate #3363
Year Established1926
Primary RegulatorOCC
Assets and Liabilities
Assets$2.45 billion
Loans$1.73 billion
Deposits$2.13 billion
Equity Capital$310.90 million
Loan Loss Allowance$23.84 million
Unbacked Noncurrent Loans$12.85 million
Real Estate Owned$2.94 million
Historic Data - December 2012
Assets$1.71 billion
Equity Capital$211.16 million
Loan Loss Allowance$17.50 million
Unbacked Noncurrent Loans$12.85 million
Real Estate Owned$2.19 million
Profit Margin - Quarterly
Net Interest Margin4.07%
Return on Assets0.79%
Return on Equity6.39%
Interest Income$79.90 million

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CommunityBank of Texas, N.A. has 28 locations. Click to view all CommunityBank of Texas, N.A. locations.