Question 1

What is Commercial Bank of Texas?

Accepted Answer

Commercial Bank of Texas is a community-focused national bank headquartered in Nacogdoches, Texas. Operating with approximately 23 branches across Texas, the bank specializes in providing personalized banking services to individuals, businesses, and agricultural clients throughout East Texas and the Dallas-Fort Worth region.

With total assets exceeding $1.6 billion and deposits of approximately $1.5 billion, CBTx has established itself as a significant regional financial institution. The bank remains locally owned and operates under the philosophy "Banking Texas Style," emphasizing community involvement and customer-focused service.

Question 2

When was Commercial Bank of Texas founded?

Accepted Answer

Commercial Bank of Texas was founded on October 14, 1901, as Commercial National Bank of Nacogdoches by successful lumberman T. J. Williams with initial capital of $50,000. The founding occurred during an era when timber, cotton, and railroads were predominant industries in East Texas, and Theodore Roosevelt had just become President.

The original Board of Directors included notable figures such as R. S. Lovett, President of the Southern Pacific Railroad, and Captain James A. Baker, a prominent Houston attorney who saved Rice University's endowment. In 1902, E. A. Blount purchased controlling interest in the bank, and in 1903, the bank moved to its present downtown location in Nacogdoches, where it remains today.

In October 1995, the bank changed its name from Commercial National Bank to Commercial Bank of Texas, N.A. (CBTx) to reflect its anticipated growth and expansion beyond Nacogdoches. The bank has operated continuously for over 124 years, surviving major economic challenges including two world wars, the Great Depression, the Savings and Loan crisis of the 1980s, and the 2008 financial crisis.

Question 3

Where is Commercial Bank of Texas headquartered?

Accepted Answer

Commercial Bank of Texas is headquartered in Nacogdoches, Texas, with its historic corporate headquarters located at 215 East Main Street on the downtown square. The headquarters building has been at this location since 1903, serving as a cornerstone of the Nacogdoches community for more than a century.

The headquarters underwent significant reconstruction in April 1984 following extensive fire damage, with the bank investing $1.6 million to renovate and restore the downtown facilities.

Question 4

Where does Commercial Bank of Texas operate?

Accepted Answer

Commercial Bank of Texas operates throughout East Texas and the North Texas region with 23 branches across multiple counties. The bank's legacy markets include Nacogdoches County and Angelina County in East Texas, where it has deep historical roots.

Through strategic acquisitions and expansion, CBTx has extended its footprint to communities including Alba, Allen, Bedford, Cushing, Diboll, Elkhart, Emory, Farmersville, and Kennard. The bank has successfully expanded into markets north of Interstate 20, including the Dallas-Fort Worth metropolitan area, as part of its North Region strategic initiative.

Major expansion milestones include the 1998 acquisitions of The Bank of East Texas and four branch locations from Surety Bank, which doubled the bank's asset size and extended its reach into Angelina, Cherokee, and Houston counties.

Question 5

What services does Commercial Bank of Texas offer?

Accepted Answer

Commercial Bank of Texas provides comprehensive banking services across retail, commercial, agricultural, and wealth management segments. Core offerings include checking and savings accounts, personal and business loans, mortgage lending, and agricultural financing.

The bank offers robust digital banking services through its CBTx Mobile Banking app and CBTxchange Online Banking platform. Digital features include mobile check deposit with same-day credit until 8:00 PM, bill pay services, account transfers, balance inquiries, and ATM/branch location services using GPS technology. The mobile app uses 128-bit SSL encryption for security and is available on iOS, Android, and Wear OS platforms.

Additional services include CBTx Purchase Rewards cash back offers, check imaging, and integration with voice assistants like Siri for balance inquiries and bill payment shortcuts. The bank's wealth management division, established in 1940 when the bank received fiduciary and trust powers from the Federal Reserve System, provides investment advisory services, trust administration, and generational wealth planning.

Question 6

What makes Commercial Bank of Texas unique?

Accepted Answer

Commercial Bank of Texas distinguishes itself as the only locally owned bank in Nacogdoches, maintaining its independence and community focus for over 124 years. The bank operates under the guiding philosophy established by former president Thomas W. Baker: "The bank can prosper only as the community prospers."

This commitment manifests in substantial community investment, with CBTx spending over $500,000 annually on community sponsorships and contributing more than 5,600 employee volunteer hours (valued at approximately $250,000) to local organizations. The bank's total annual community impact approaches $1 million.

CBTx has demonstrated exceptional financial performance, achieving record net income of $19.1 million in 2024, with a return on average assets (ROAA) of 1.34% and return on average equity (ROAE) of 15.19%—both considered excellent metrics. The bank maintains strong loan quality with past-due loans at just 0.49%.

The institution has weathered numerous economic crises while maintaining its community-focused mission, including surviving during the Savings and Loan crisis when it acquired Superior Savings Bank in 1991. CBTx was recognized as Large Business of the Year by the Nacogdoches County Chamber of Commerce, with whom it has partnered for over 103 years.

Question 7

What type of financial institution is Commercial Bank of Texas?

Accepted Answer

Commercial Bank of Texas is a National Bank, operating as a federally chartered institution under the designation "N.A." (National Association). As a national bank, it is regulated by the Office of the Comptroller of the Currency (OCC) and is a member of the Federal Deposit Insurance Corporation (FDIC) with Certificate Number 1209.

While classified as a national bank by charter, CBTx functions as a community bank in practice, emphasizing relationship-based banking and local decision-making. The bank serves multiple customer segments including retail consumers, small to mid-sized businesses, agricultural operations, and wealth management clients.

As a community-focused institution, Commercial Bank of Texas maintains local ownership through Nacogdoches Commercial Bancshares, Inc., its parent holding company, which distinguishes it from larger regional or national banking chains. This structure allows the bank to combine the regulatory framework and stability of a national bank charter with the personalized service and community involvement characteristic of community banking.

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