Commercial Bank of Texas NA Safety Rating
Commercial Bank of Texas NA's safety rating is grade A, a Bank Health Score of 96/100 built from FDIC call report data. That ranks #213 out of 3,960 FDIC-insured banks nationally (top 5%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); Commercial Bank of Texas NA's best component is Tier 1 capital (98/100) and its weakest is profitability (81/100).
This page answers a common banking-safety question: Commercial Bank of Texas NA Safety Rating. The answer draws on FDIC Call Report filings, the quarterly disclosure every FDIC-insured bank submits covering capital, assets, loans, deposits, and earnings. Call Report data is one of the most comprehensive bank-level public-records systems in the U.S. financial system. Why this matters for depositors: most U.S. consumer deposits are FDIC-insured up to $250,000 per depositor per insured bank, so bank failure does not directly threaten typical retail deposits within that limit. But the bank-health analysis is still useful for above-limit deposits (small businesses, treasurers, high-net-worth depositors) and for understanding the broader stability of regional banking.
The detailed answer below uses the actual FDIC Call Report numbers, explains how to read them, and translates the regulatory accounting into the depositor-relevant interpretation of the question.
Commercial Bank of Texas NA Safety Rating Breakdown
- Overall rating
- Grade A (96/100)
- National rank
- #213 of 3,960
- Tier 1 capital (35%)
- 98/100
- Loan quality (30%)
- 98/100
- Liquidity (25%)
- 96/100
- Profitability (10%)
- 81/100
Source: FDIC Call Report data. The BankHealth safety rating is an editorial composite, not an official regulatory rating.
A grade A rating places Commercial Bank of Texas NA among the stronger FDIC-insured banks on the composite — strong capital with manageable risk on the other factors. Nationally it ranks in roughly the top 5% of the 3,960 banks we score.
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 14.71% | 98/100 |
| Nonperforming Loan Ratio | 0.10% | 98/100 |
| Liquidity Ratio | 29.12% | 96/100 |
| Return on Assets | 1.53% | 81/100 |
| Total Assets | $1.4B | |
How does Commercial Bank of Texas NA compare?
With a Bank Health Score of 96/100, Commercial Bank of Texas NA sits 26.0 points above the national average of 70/100 for FDIC-insured banks. Within Texas, where 321 FDIC-insured banks are headquartered, Commercial Bank of Texas NA ranks above the state average of 74/100 (Grade B).
The bank's Tier 1 capital ratio of 14.71% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.10% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Commercial Bank of Texas NA's Bank Health Score improved by 1.0 points to 96/100. Tier 1 capital strengthened by 0.28 percentage points to 14.71%.
Frequently Asked Questions
Commercial Bank of Texas NA's safety rating is grade A, a Bank Health Score of 96/100 built from FDIC call report data. That ranks #213 out of 3,960 FDIC-insured banks nationally (top 5%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); Commercial Bank of Texas NA's best component is Tier 1 capital (98/100) and its weakest is profitability (81/100).
The BankHealth safety rating converts four FDIC call report metrics into a single 0-100 score and an A-F grade. It weights Tier 1 capital ratio (35%), the inverted nonperforming-loan ratio (30%), liquidity ratio (25%), and return on assets (10%). For Commercial Bank of Texas NA: Tier 1 capital scores 98/100, loan quality 98/100, liquidity 96/100, and profitability 81/100 — combining to 96/100 (grade A).
Commercial Bank of Texas NA's Bank Health Score of 96/100 is 22.0 points above the Texas state average of 74/100. 321 FDIC-insured banks are headquartered in Texas.
Yes. Commercial Bank of Texas NA (FDIC certificate #1209) is FDIC-insured, meaning each depositor is covered up to $250,000 per ownership category if the bank fails. FDIC insurance protects checking, savings, money market, and CD deposits — it does not cover stocks, bonds, mutual funds, or annuities.
More about Commercial Bank of Texas NA
Commercial Bank of Texas NA's safety rating is grade A, a Bank Health Score of 96/100 built from FDIC call report data. That ranks #213 out of 3,960 FDIC-insured banks nationally (top 5%). The rating weights Tier 1 capital (35%), loan quality (30%), liquidity (25%), and profitability (10%); Commercial Bank of Texas NA's best component is Tier 1 capital (98/100) and its weakest is profitability (81/100).