Commercial Bank Of Texas Mortgage Rates, Fees & Info
Nacogdoches, TX
LEI: 549300M16XETIG2Z5N24
Tax ID: 75-0203352
5 stars
-
out of 5 stars, based on 31 reviews
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Mortgage Data
Bank Data
Overview
Commercial Bank Of Texas is a
smaller
bank
specializing in
Home Purchase and Refi loans.
Commercial Bank Of Texas has a high proportion of conventional loans.
They have a a low proportion of FHA loans. (This may mean they shy away from
first time homebuyers.)
Their top markets include Dallas, Lufkin, Nacogdoches, Palestine, and Houston among others. Commercial Bank Of Texas has
an average
approval rate for mortages when compared nationally.
They have
a below average
pick rate when compared to the same sample of other lendors.
Commercial Bank Of Texas is typically
an average fee
lendor.
Originations
990
Origination Dollar Volume (All Markets)
$227,940,000
Employee count
218
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Commercial Bank of Texas - 2021
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Relative Rate
Commercial Bank Of Texas's average 30 year fixed rate mortgage of loans were
3.19%.
The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.
This yields a difference of 0.04%.
Relative Fees
Commercial Bank Of Texas's average total fees for a 30 year fixed rate
mortgage are $4,209.
The average total origination fees for 30 year fixed rate mortgages (for all loan values, including
both points & up-front fees in addition to origination fees) are $4,750.
Top Markets
Market |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA)
|
168
|
$59,250,000 |
$352,679 |
$5,114 |
3.21% |
Lufkin, TX (FHA|USDA|VA)
|
271
|
$53,935,000 |
$199,022 |
$3,797 |
3.54% |
Nacogdoches, TX (FHA|USDA|VA)
|
229
|
$43,995,000 |
$192,118 |
$3,699 |
3.39% |
Outside of Metro Areas
|
129 |
$29,135,000 |
$225,853 |
$3,928 |
3.35% |
Palestine, TX (FHA|USDA|VA)
|
74
|
$9,950,000 |
$134,459 |
$3,450 |
3.62% |
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA)
|
30
|
$7,390,000 |
$246,333 |
$4,159 |
3.26% |
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA)
|
13
|
$4,955,000 |
$381,154 |
$4,589 |
2.88% |
TYLER, TX (FHA|USDA|VA)
|
9
|
$2,405,000 |
$267,222 |
$4,823 |
3.17% |
Jacksonville, TX (FHA|USDA|VA)
|
8
|
$1,930,000 |
$241,250 |
$3,897 |
3.30% |
Sulphur Springs, TX (FHA|USDA|VA)
|
4
|
$1,480,000 |
$370,000 |
$4,803 |
3.84% |
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA)
|
4
|
$1,210,000 |
$302,500 |
$4,838 |
3.00% |
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA)
|
5
|
$1,205,000 |
$241,000 |
$3,830 |
3.15% |
LONGVIEW, TX (FHA|USDA|VA)
|
4
|
$1,170,000 |
$292,500 |
$3,502 |
3.06% |
KILLEEN-TEMPLE, TX (FHA|USDA|VA)
|
3
|
$995,000 |
$331,667 |
$4,540 |
2.88% |
Granbury, TX (FHA|USDA|VA)
|
4
|
$980,000 |
$245,000 |
$3,634 |
2.94% |
Fredericksburg, TX (FHA|USDA|VA)
|
1
|
$765,000 |
$765,000 |
$0 |
3.50% |
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA)
|
1
|
$685,000 |
$685,000 |
$6,640 |
3.50% |
Montrose, CO (FHA|USDA|VA)
|
1
|
$645,000 |
$645,000 |
$2,414 |
3.75% |
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA)
|
1
|
$585,000 |
$585,000 |
$4,102 |
3.75% |
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA)
|
3
|
$515,000 |
$171,667 |
$2,822 |
2.88% |
Bonham, TX (FHA|USDA|VA)
|
2
|
$510,000 |
$255,000 |
$2,696 |
3.63% |
SHERMAN-DENISON, TX (FHA|USDA|VA)
|
4
|
$490,000 |
$122,500 |
$3,131 |
3.25% |
ABILENE, TX (FHA|USDA|VA)
|
3
|
$465,000 |
$155,000 |
$4,179 |
3.21% |
NAPA, CA (FHA|USDA|VA)
|
1
|
$385,000 |
$385,000 |
$2,492 |
2.99% |
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA)
|
1
|
$375,000 |
$375,000 |
$0 |
3.13% |
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA)
|
1
|
$325,000 |
$325,000 |
$3,188 |
2.50% |
Athens, TX (FHA|USDA|VA)
|
2
|
$300,000 |
$150,000 |
$4,469 |
3.62% |
MIDLAND, TX (FHA|USDA|VA)
|
1
|
$235,000 |
$235,000 |
$0 |
3.50% |
OCALA, FL (FHA|USDA|VA)
|
1
|
$205,000 |
$205,000 |
$2,375 |
2.75% |
NEW BERN, NC (FHA|USDA|VA)
|
1
|
$185,000 |
$185,000 |
$2,094 |
2.88% |
LUBBOCK, TX (FHA|USDA|VA)
|
1
|
$185,000 |
$185,000 |
$7,045 |
2.63% |
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA)
|
1
|
$175,000 |
$175,000 |
$4,010 |
3.25% |
HINESVILLE, GA (FHA|USDA|VA)
|
1
|
$155,000 |
$155,000 |
$5,938 |
3.99% |
Brownwood, TX (FHA|USDA|VA)
|
1
|
$145,000 |
$145,000 |
$3,695 |
2.38% |
WACO, TX (FHA|USDA|VA)
|
1
|
$135,000 |
$135,000 |
$2,782 |
3.25% |
Rockport, TX (FHA|USDA|VA)
|
1
|
$125,000 |
$125,000 |
$2,052 |
5.75% |
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA)
|
1
|
$125,000 |
$125,000 |
$3,566 |
2.75% |
Paris, TX (FHA|USDA|VA)
|
2
|
$120,000 |
$60,000 |
$2,445 |
4.44% |
CORPUS CHRISTI, TX (FHA|USDA|VA)
|
1
|
$95,000 |
$95,000 |
$3,119 |
3.38% |
Corsicana, TX (FHA|USDA|VA)
|
1
|
$25,000 |
$25,000 |
$0 |
5.75% |
Commercial Bank Of Texas's top markets include Dallas, Lufkin, Nacogdoches, Palestine, and Houston among others.
Product Mix
Loan Type |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
Conventional |
935 |
$215,965,000 |
$230,979 |
$3,828 |
3.43% |
FHA |
36 |
$6,640,000 |
$184,444 |
$6,960 |
2.87% |
VA |
19 |
$5,335,000 |
$280,789 |
$6,060 |
2.58% |
For the 2021 period, Commercial Bank Of Texas's most frequently
originated loan type
of loans were Conventional, with 935 originations.
Their 2nd most popular type is FHA,
with 36 originations.
Loan Reason
Loan Reason |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
Home Purchase |
519 |
$125,415,000 |
$241,647 |
$4,511 |
3.52% |
Refi |
236 |
$54,530,000 |
$231,059 |
$3,221 |
2.98% |
Cash Out Refi |
186 |
$39,840,000 |
$214,194 |
$3,922 |
3.44% |
Other |
37 |
$6,825,000 |
$184,459 |
$3,757 |
3.81% |
Home Improvement |
12 |
$1,330,000 |
$110,833 |
$2,455 |
4.33% |
For the 2021, Commercial Bank Of Texas's most frequently cited loan
purpose
of loans were Home Purchase, with 519
originations.
The 2nd most popular reason of loans were Refi,
with 236 originations.
Loan Duration/Length
Loan Length |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
30 Year |
597 |
$146,875,000 |
$246,022 |
$4,209 |
3.19% |
15 Year |
197 |
$34,815,000 |
$176,726 |
$3,400 |
3.28% |
20 Year |
138 |
$27,670,000 |
$200,507 |
$2,962 |
4.10% |
Other |
31 |
$12,095,000 |
$390,161 |
$7,600 |
4.33% |
10 Year |
21 |
$2,655,000 |
$126,429 |
$2,745 |
4.17% |
30+ year |
4 |
$3,500,000 |
$875,000 |
$13,588 |
3.66% |
1 Year |
1 |
$305,000 |
$305,000 |
$5,146 |
4.75% |
5 Year |
1 |
$25,000 |
$25,000 |
$373 |
3.50% |
For the 2021, Commercial Bank Of Texas's most frequently cited loan
length
of loans were 30 Year, with 597 originations.
The 2nd most popular length of loans were 15 Year,
with 197 originations.
Origination Fees
Origination Fee |
Originations |
Total Value |
Average Loan |
$<1k |
750 |
$162,950,000 |
$217,267 |
$1k-2k |
73 |
$18,895,000 |
$258,836 |
$2k-3k |
17 |
$6,085,000 |
$357,941 |
$3k-4k |
9 |
$4,805,000 |
$533,889 |
$5k+ |
6 |
$10,690,000 |
$1,781,667 |
$4,209 of loans were Commercial Bank Of Texas's
average total fees, while their most
frequently occuring range of origination fees were in the
$<1k bucket,
with 750 originations.
Interest Rates
Loan Rate |
Originations |
Total Value |
Average Loan |
3-4% |
429 |
$101,655,000 |
$236,958 |
2.5-3% |
308 |
$78,160,000 |
$253,766 |
4-5% |
143 |
$23,205,000 |
$162,273 |
<2.5% |
77 |
$21,675,000 |
$281,494 |
5-6% |
29 |
$2,695,000 |
$92,931 |
6-7% |
3 |
$425,000 |
$141,667 |
During 2021, Commercial Bank Of Texas's average interest
rate of loans were 3.19%, while their
most frequently originated rate bucket of loans were 3-4%,
with 429 originations.
Loan Sizing
Loan Size |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
$100k-200k |
379 |
$56,115,000 |
$148,061 |
$3,537 |
3.42% |
$200k-400k |
366 |
$100,350,000 |
$274,180 |
$4,128 |
3.17% |
$100,000 or less |
150 |
$10,270,000 |
$68,467 |
$2,561 |
4.01% |
$400k-600k |
73 |
$35,965,000 |
$492,671 |
$5,256 |
3.10% |
$600k-1MM |
12 |
$8,410,000 |
$700,833 |
$6,394 |
3.68% |
$1MM+ |
10 |
$16,830,000 |
$1,683,000 |
$22,165 |
3.24% |
2021 saw Commercial Bank Of Texas place emphasis on
$100k-200k loans
with 379 originations, totaling
$56,115,000 in origination value.
Applicant Income
Applicant Income |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
$100k-150k |
250 |
$56,980,000 |
$227,920 |
$3,988 |
3.31% |
$50k-75k |
201 |
$30,705,000 |
$152,761 |
$3,558 |
3.40% |
$75k-100k |
158 |
$32,290,000 |
$204,367 |
$3,729 |
3.34% |
$150k-250k |
122 |
$38,420,000 |
$314,918 |
$4,077 |
3.27% |
$50k or less |
110 |
$13,500,000 |
$122,727 |
$3,391 |
3.54% |
$250k+ |
79 |
$38,725,000 |
$490,190 |
$7,068 |
3.32% |
Commercial Bank Of Texas lent most frequently to those with incomes in the
$100k-150k range, with
250 originations.
The second most popular income band? $50k-75k,
with 201 originations.
Applicant Debt to Income Ratio
DTI Ratio |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
20-30% |
218 |
$49,990,000 |
$229,312 |
$3,987 |
3.34% |
30-36% |
170 |
$38,000,000 |
$223,529 |
$3,757 |
3.43% |
<20% |
109 |
$24,605,000 |
$225,734 |
$3,909 |
3.54% |
41% |
41 |
$10,555,000 |
$257,439 |
$4,431 |
3.22% |
38% |
41 |
$9,505,000 |
$231,829 |
$3,910 |
3.30% |
37% |
39 |
$8,555,000 |
$219,359 |
$3,745 |
3.22% |
43% |
38 |
$8,810,000 |
$231,842 |
$3,963 |
3.27% |
39% |
37 |
$9,245,000 |
$249,865 |
$3,887 |
3.41% |
44% |
32 |
$6,060,000 |
$189,375 |
$3,693 |
3.30% |
42% |
31 |
$6,785,000 |
$218,871 |
$4,205 |
3.45% |
36% |
31 |
$7,105,000 |
$229,194 |
$3,862 |
3.45% |
40% |
31 |
$7,255,000 |
$234,032 |
$3,703 |
3.24% |
49% |
24 |
$5,840,000 |
$243,333 |
$4,222 |
2.91% |
46% |
22 |
$5,120,000 |
$232,727 |
$5,189 |
3.02% |
47% |
19 |
$4,145,000 |
$218,158 |
$4,256 |
3.08% |
45% |
18 |
$4,050,000 |
$225,000 |
$3,808 |
3.35% |
50-60% |
17 |
$5,595,000 |
$329,118 |
$6,723 |
3.57% |
48% |
13 |
$2,965,000 |
$228,077 |
$4,014 |
3.06% |
>60% |
7 |
$975,000 |
$139,286 |
$2,180 |
3.88% |
Commercial Bank Of Texas lent most frequently to those with DTI ratios
of 20-30%, with
218 originations.
The next most common DTI ratio? 30-36%,
with 170 originations.
Ethnicity Mix
Applicant Ethnicity |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
White |
761 |
$169,555,000 |
$222,806 |
$3,915 |
3.35% |
Not provided |
120 |
$27,290,000 |
$227,417 |
$3,951 |
3.32% |
Not applicable |
54 |
$13,570,000 |
$251,296 |
$5,796 |
4.18% |
Asian |
27 |
$11,505,000 |
$426,111 |
$6,453 |
3.35% |
Black |
22 |
$3,610,000 |
$164,091 |
$3,782 |
3.62% |
American Indian |
4 |
$1,350,000 |
$337,500 |
$5,009 |
3.47% |
Asian Indian |
1 |
$1,005,000 |
$1,005,000 |
$13,728 |
3.00% |
Other Asian |
1 |
$55,000 |
$55,000 |
$2,146 |
4.75% |
Approval Rates
Total approvals of all applications
83.85%
Commercial Bank Of Texas has a below average approval rate.
Pick Rate
Approvals leading to origination
79.71%
Commercial Bank Of Texas has a below average pick rate.
Points and Fees
Points |
Originations |
Total Value |
Average Loan |
113.0 |
1 |
$45,000 |
$45,000 |
63.0 |
1 |
$45,000 |
$45,000 |
NA |
988 |
$227,850,000 |
$230,617 |
Occupancy Type Mix
Dwelling Type |
Originations |
Total Value |
Average Loan |
|
990 |
$227,940,000 |
$230,242 |
LTV Distribution
Loan to Value |
Originations |
Total Value |
Average Loan |
Average Fees |
Average Rate |
20-40% |
50 |
$7,660,000 |
$153,200 |
$3,143 |
3.36% |
40-60% |
154 |
$31,940,000 |
$207,403 |
$3,679 |
3.20% |
60-80% |
416 |
$107,540,000 |
$258,510 |
$4,041 |
3.46% |
80-100% |
351 |
$78,215,000 |
$222,835 |
$4,236 |
3.40% |
Over 100% |
5 |
$1,375,000 |
$275,000 |
$12,876 |
3.23% |
Under 20% |
14 |
$1,210,000 |
$86,429 |
$2,520 |
3.76% |
Complaints
Bank Name |
Product |
Issue |
2021 CPFB Complaints |
% of Total Issues |
COMMERCE BANK |
Conventional home mortgage |
Closing on a mortgage |
1 |
33.3% |
COMMERCE BANK |
Other type of mortgage |
Applying for a mortgage or refinancing an existing mortgage |
1 |
33.3% |
COMMERCE BANK |
FHA mortgage |
Applying for a mortgage or refinancing an existing mortgage |
1 |
33.3% |
Bank Details
Branches
Bank Name |
Branch |
Branch Type |
Deposits (000's) |
Commercial Bank of Texas, National Association |
600 South First Street Lufkin, TX 75901 |
Full Service B&M
|
$152,232 |
Commercial Bank of Texas, National Association |
102 West Columbia San Augustine, TX 75972 |
Full Service B&M
|
$57,812 |
Commercial Bank of Texas, National Association |
107 Quitman Street Emory, TX 75440 |
Full Service B&M
|
$92,825 |
Commercial Bank of Texas, National Association |
109 West Parker St Elkhart, TX 75839 |
Full Service B&M
|
$46,937 |
Commercial Bank of Texas, National Association |
1219 W Mcdermott Drive Allen, TX 75013 |
Full Service Retail
|
$26,976 |
Commercial Bank of Texas, National Association |
1523 W. Frank Ave. Lufkin, TX 75901 |
Full Service B&M
|
$42,695 |
Commercial Bank of Texas, National Association |
1629 North University Nacogdoches, TX 75961 |
Full Service B&M
|
$26,932 |
Commercial Bank of Texas, National Association |
1716 Forest Ridge Bedford, TX 76022 |
Full Service B&M
|
$37,880 |
Commercial Bank of Texas, National Association |
1901 Tulane Lufkin, TX 75901 |
Full Service B&M
|
$61,712 |
Commercial Bank of Texas, National Association |
201 S. Hwy 78 Farmersville, TX 75442 |
Full Service B&M
|
$23,182 |
Commercial Bank of Texas, National Association |
201 South Mill Street Lewisville, TX 75057 |
Full Service B&M
|
$19,472 |
Commercial Bank of Texas, National Association |
210 Harrison Avenue Roxton, TX 75477 |
Full Service B&M
|
$14,456 |
Commercial Bank of Texas, National Association |
215 East Main Nacogdoches, TX 75961 |
Limited, Mobile/Seasonal Office
|
$0 |
Commercial Bank of Texas, National Association |
215 East Main Street Nacogdoches, TX 75961 |
Full Service B&M
|
$306,781 |
Commercial Bank of Texas, National Association |
222 Vista Blvd Nacogdoches, TX 75962 |
Full Service Retail
|
$0 |
Commercial Bank of Texas, National Association |
410 East Lacy Street Palestine, TX 75801 |
Full Service B&M
|
$8,520 |
Commercial Bank of Texas, National Association |
4929 North Street Nacogdoches, TX 75965 |
Full Service Retail
|
$36,450 |
Commercial Bank of Texas, National Association |
501 N Temple Diboll, TX 75941 |
Full Service B&M
|
$10,976 |
Commercial Bank of Texas, National Association |
7th And Spruce Streets Cushing, TX 75760 |
Full Service B&M
|
$29,770 |
Commercial Bank of Texas, National Association |
Cooper Street And Highway 69 Emory, TX 75410 |
Full Service B&M
|
$10,134 |
Commercial Bank of Texas, National Association |
Main And Broadway Kennard, TX 75847 |
Full Service B&M
|
$21,892 |
Commercial Bank of Texas, National Association |
U.S. Highway 69 Wells, TX 75976 |
Full Service B&M
|
$26,028 |
For 2021, Commercial Bank Of Texas had 22 branches.
Yearly Performance Overview
Bank Income
Commercial Bank Of Texas's gross interest income from loans was $39,725,000.
Commercial Bank Of Texas's net interest income from loans was $37,398,000.
Commercial Bank Of Texas's fee based income from loans was $3,526,000.
Commercial Bank Of Texas's net income from loans was $16,276,000.
Bank Expenses
Item |
Value (in 000's) |
Total interest expense |
$2,327 |
Provision for credit losses |
$0 |
Total noninterest expense |
$32,844 |
Salaries and employee benefits |
$17,015 |
Premises and equipment expense |
$4,624 |
Additional noninterest expense |
$11,205 |
Applicable income taxes |
$4,497 |
Net charge-offs |
$680 |
Cash dividends |
$6,694 |
Commercial Bank Of Texas's interest expense for loans was $2,327,000.
Commercial Bank Of Texas's payroll and benefits expense were $17,015,000.
Commercial Bank Of Texas's property, plant and equipment expenses $4,624,000.
Deposits
Type |
Value (in 000's) |
Total deposits |
$1,158,371 |
Deposits held in domestic offices |
$1,158,371 |
Deposits by Individuals, partnerships, and corporations |
$1,005,335 |
Deposits by U.S. Government |
$2 |
Deposits by States and political subdivisions in the U.S. |
$151,455 |
Deposits by Commercial banks and other depository institutions in U.S. |
$1,580 |
Deposits by Banks in foreign countries |
$0 |
Deposits by Foreign governments and official institutions |
$0 |
Transaction accounts |
$745,096 |
Demand deposits |
$394,577 |
Nontransaction accounts |
$413,276 |
Money market deposit accounts (MMDAs) |
$161,768 |
Other savings deposits (excluding MMDAs) |
$125,741 |
Total time deposits |
$125,766 |
Total time and savings deposits |
$763,795 |
Noninterest-bearing deposits |
$394,764 |
Interest-bearing deposits |
$763,607 |
Retail deposits |
$1,131,960 |
IRAs and Keogh plan accounts |
$20,619 |
Brokered deposits |
$0 |
Deposits held in foreign offices |
$0 |
Assets
Asset |
Value (in 000's) |
Total Assets |
$1,274,626 |
Cash & Balances due from depository institutions |
$157,499 |
Interest-bearing balances |
$136,699 |
Total securities |
$349,361 |
Federal funds sold & reverse repurchase |
$15,000 |
Net loans and leases |
$699,194 |
Loan and leases loss allowance |
$15,737 |
Trading account assets |
$645 |
Bank premises and fixed assets |
$16,667 |
Other real estate owned |
$0 |
Goodwill and other intangibles |
$7,501 |
All other assets |
$28,759 |
Liabilities
Liabilities |
Value (in 000's) |
Total liabilities and capital |
$1,274,626 |
Total Liabilities |
$1,165,916 |
Total deposits |
$1,158,371 |
Interest-bearing deposits |
$763,607 |
Deposits held in domestic offices |
$1,158,371 |
% insured (estimated) |
$67 |
Federal funds purchased and repurchase agreements |
$0 |
Trading liabilities |
$0 |
Other borrowed funds |
$104 |
Subordinated debt |
$0 |
All other liabilities |
$7,441 |
Issued Loan Types
Type |
Value (in 000's) |
Net loans and leases |
$699,194 |
Loan and leases loss allowance |
$15,737 |
Total loans and leases (domestic) |
$714,931 |
All real estate loans |
$539,456 |
Real estate loans in domestic offices |
$539,456 |
Construction and development loans |
$88,488 |
Residential 1-4 family construction |
$33,598 |
Other construction, all land development and other land |
$54,890 |
Loans secured by nonfarm nonresidential properties |
$240,506 |
Nonfarm nonresidential secured by owner-occupied properties |
$128,447 |
Commercial real estate & other non-farm, non-residential |
$112,059 |
Multifamily residential real estate |
$5,299 |
1-4 family residential loans |
$184,027 |
Farmland loans |
$21,136 |
Loans held in foreign offices |
$0 |
Farm loans |
$4,649 |
Commercial and industrial loans |
$121,152 |
To non-U.S. addressees |
$0 |
Loans to individuals |
$46,149 |
Credit card loans |
$0 |
Related Plans |
$19 |
Consumer Auto Loans |
$10,133 |
Other loans to individuals |
$35,997 |
All other loans & leases |
$3,525 |
Loans to foreign governments and official institutions |
$0 |
Other loans |
$584 |
Loans to depository institutions and acceptances of other banks |
$0 |
Loans not secured by real estate |
$7,714 |
Loans secured by real estate to non-U.S. addressees |
$0 |
Restructured Loans & leases |
$2,111 |
Non 1-4 family restructured loans & leases |
$2,111 |
Total loans and leases (foreign) |
$0 |
Commercial Bank of Texas had $699,194,000 of loans outstanding in 2021. $539,456,000 of loans were in real estate loans.
$88,488,000 of loans were in development loans. $5,299,000 of loans were in multifamily mortgage loans.
$184,027,000 of loans were in 1-4 family mortgage loans. $4,649,000 of loans were in farm loans. $0
of loans were in credit card loans. $10,133,000 of loans were in the auto loan category.
Small Business Loans
Categorization |
# of Loans in Category |
$ amount of loans (in 000's) |
Average $/loan |
Nonfarm, nonresidential loans - <$1MM |
409 |
$105,623 |
$258,247 |
Nonfarm, nonresidential loans - <$100k |
84 |
$3,880 |
$46,190 |
Nonfarm, nonresidential loans - $100-250k |
129 |
$16,894 |
$130,961 |
Nonfarm, nonresidential loans - $250k-1MM |
196 |
$84,849 |
$432,903 |
Commercial & Industrial, US addressed loans - <$1MM |
1,184 |
$82,344 |
$69,547 |
Commercial & Industrial, US addressed loans - <$100k |
893 |
$25,473 |
$28,525 |
Commercial & Industrial, US addressed loans - $100-250k |
196 |
$22,248 |
$113,510 |
Commercial & Industrial, US addressed loans - $250k-1MM |
95 |
$34,623 |
$364,453 |
Farmland loans - <$1MM |
57 |
$6,188 |
$108,561 |
Farmland loans - <$100k |
24 |
$985 |
$41,042 |
Farmland loans - $100-250k |
25 |
$3,121 |
$124,840 |
Farmland loans - $250k-1MM |
8 |
$2,082 |
$260,250 |
Agriculture operations loans - <$1MM |
119 |
$3,044 |
$25,580 |
Agriculture operations loans - <$100k |
109 |
$1,875 |
$17,202 |
Agriculture operations loans - $100-250k |
10 |
$1,169 |
$116,900 |