Question 1

What is Commercial National Bank?

Accepted Answer

Commercial National Bank is a locally-owned community bank serving central Texas with a focus on agricultural, commercial, and consumer banking services. With approximately $370 million in assets and five full-service banking offices, the bank serves the diverse economic needs of communities in the "Heart of Texas" region. The institution maintains its independence in an era of consolidation, emphasizing personalized service and deep community involvement.

Question 2

When was Commercial National Bank founded?

Accepted Answer

The Commercial Bank was originally established in 1894 in Brady, Texas. The institution received its national charter and became The Commercial National Bank in 1907, making it one of the oldest continuously operating banks in central Texas. Throughout its history spanning more than 130 years, the bank has maintained a reputation for financial strength and conservative banking practices.

Question 3

Where is Commercial National Bank headquartered?

Accepted Answer

Commercial National Bank is headquartered in Brady, Texas, located in McCulloch County. Brady is situated in central Texas, approximately 180 miles south of Dallas, 140 miles northwest of Austin, and 140 miles north of San Antonio. The city is often referred to as the "Heart of Texas" due to its central geographic location in the state.

Question 4

Where does Commercial National Bank operate?

Accepted Answer

The bank operates five full-service banking offices across central Texas, serving communities in Brady, San Saba, Granite Shoals, Burnet, and Marble Falls. These locations position the bank to serve McCulloch, San Saba, Burnet, and surrounding counties. The bank's market area encompasses a diverse economy that includes farming, ranching, hunting, mining, manufacturing, retail trade, and tourism.

Question 5

What services does Commercial National Bank offer?

Accepted Answer

Commercial National Bank provides a comprehensive suite of banking services including agricultural loans, commercial and industrial lending, residential mortgages, and consumer loans. The bank offers modern digital banking capabilities including internet banking, mobile banking with mobile deposit, online bill pay, and 24-hour phone banking (TeleBank).

Additional services include instant issue debit cards, account-to-account transfers, and ATM access. The bank maintains drive-through facilities at its locations and provides Saturday drive-through service for added convenience. Commercial National Bank also holds fiduciary powers, though these powers are not currently exercised.

Question 6

What makes Commercial National Bank unique?

Accepted Answer

Commercial National Bank distinguishes itself through remarkable leadership continuity, having had only six presidents throughout its entire 130-year history: G. Rollie White, Otto Frederick, Fred Wulff Jr., John W. Jones, Robert M. Barnhill, and W. Clay Jones. This stability reflects the bank's commitment to long-term relationships and conservative banking principles.

The bank's steadfast commitment to local ownership and independence sets it apart in today's banking landscape. Commercial National Bank actively resists the trend toward "big-box banks," instead maintaining its focus on personal service and community involvement. The institution's motto as "Your Texas Friendly Bank" emphasizes its dedication to personalized customer relationships where staff members live and work alongside their customers in the communities they serve.

Question 7

What type of financial institution is Commercial National Bank?

Accepted Answer

Commercial National Bank is a national bank with a commercial lending specialization. Chartered under the Comptroller of the Currency (OCC) and operating as a member of the Federal Reserve System, the bank maintains its focus on serving the agricultural and commercial sectors while providing comprehensive retail banking services. The institution operates as an S-Corporation and is owned by Commercial National Corporation, a single-bank holding company. As a community bank with deep rural roots, it specializes in agricultural production loans, commercial and industrial lending, and traditional community banking services tailored to the economic needs of central Texas.

Commercial National Bank

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About Commercial National Bank in the United States