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Overview / Commentary
5999 Delaware Street
Beaumont, TX 77706

CommunityBank of Texas, N.A. is headquartered in Beaumont and is the 16st largest bank in the state of Texas. It is also the 294th largest bank in the nation. It was established in 1926 and as of March of 2014, it had grown to 456 employees at 35 locations. CommunityBank of Texas, N.A. has a A+ health rating.

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Health

Data for Q1 2014

Institution Health

A+

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 CommunityBank of Texas, N.A. had $16.96 million in non-current loans and owned real-estate with $340.95 million in equity and loan loss allowances on hand to cover it. This gives CommunityBank of Texas, N.A. a Texas Ratio of 4.97% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B+

The Texas Ratio for CommunityBank of Texas, N.A. decreased slightly from 6.28% as of March 31, 2013 to 4.97% as of March 31, 2014, resulting in a positive change of 20.78%.This indicates that the balance sheet and financial strength for CommunityBank of Texas, N.A. has improved slightly in recent periods.

Deposit Growth

GRADE:
A+

In the past year, CommunityBank of Texas, N.A. has increased its total deposits by $661.91 million, resulting in 43.85% 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.

Capitalization

GRADE:
A+

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 $2.5 billion in assets with $340.95 million in equity, resulting in a capitalization level of 13.64%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #3363
Year Established1926
Employees456
Primary RegulatorOCC
Assets and Liabilities
Assets$2.50 billion
Loans$1.77 billion
Deposits$2.17 billion
Equity Capital$316.62 million
Loan Loss Allowance$24.33 million
Unbacked Noncurrent Loans$14.11 million
Real Estate Owned$2.85 million
Historic Data - March 2013
Assets$1.73 billion
Equity Capital$213.93 million
Loan Loss Allowance$18.61 million
Unbacked Noncurrent Loans$14.11 million
Real Estate Owned$2.18 million
Profit Margin - Quarterly
Net Interest Margin3.97%
Return on Assets0.95%
Return on Equity7.48%
Interest Income$23.51 million
Rates

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Locations

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