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The Commercial Bank
Mason, TX · FDIC Certificate #19595 · Chartered 04/0
Total assets
$114.62M
Total deposits
$99.08M
Total equity
$10.23M
Net loans
$44.09M
Branches (offices)
1
Net income (YTD)
$884.00K
Rank: #3,570 of 4,213 U.S. banks by assets · #302 of 346 in Texas. Assets changed 2.4% and deposits -1.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.56% |
| Return on equity | 17.39% |
| Net interest margin (YTD) | 3.72% |
| Equity to assets | 8.93% |
| Tier 1 leverage ratio | 9.95% |
| Uninsured deposits (share of deposits) | 24.8% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 44.5% |
| Real estate loans (share of loans) | 86.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $37.94M | 86.0% | |
| Commercial & industrial | $2.28M | 5.2% | |
| Consumer / individual | $1.44M | 3.3% | |
| Construction & development | $2.58M | 5.9% | |
| Agricultural | $1.25M | 2.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $90.78M | $84.19M | $615.00K | $5.08M |
| Jun 2023 | $105.74M | $94.81M | $748.00K | $7.30M |
| Jun 2024 | $105.44M | $94.29M | $709.00K | $8.38M |
| Jun 2025 | $111.96M | $100.34M | $830.00K | $8.79M |
| Jun 2026 | $114.62M | $99.08M | $884.00K | $10.23M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $99.08M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $99.08M.
Similar-sized banks
The National Bank Of Adams County Of West Union ($114.66M) · The Lytle State Bank Of Lytle, Texas ($114.62M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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