Communitybank Of Texas N.a. Mortgage Rates, Fees & Info
Beaumont, TXLEI: 549300Y5YUNNHUW2EQ06
Tax ID: 74-1946814
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Mortgage Data
Bank Data
Review & Overview
Communitybank Of Texas N.a. is a smaller bank specializing in Home Purchase loans. Communitybank Of Texas N.a. has a high proportion of conventional loans. Their top markets by origination volume include: Houston, Beaumont, Austin, Lubbock, and Amarillo among others. We have data for 13 markets. (Some data included below & more in-depth data is available with an active subscription.)Communitybank Of Texas N.a. has a below average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.
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Originations
141Origination Dollar Volume (All Markets)
$73,035,000Employee count
511Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 81 | $41,845,000 | $516,605 | $0 | 0.00% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 34 | $9,030,000 | $265,588 | $0 | 0.00% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 2 | $5,260,000 | $2,630,000 | $0 | 0.00% |
| LUBBOCK, TX (FHA|USDA|VA) | 1 | $3,725,000 | $3,725,000 | $0 | 0.00% |
| AMARILLO, TX (FHA|USDA|VA) | 1 | $3,225,000 | $3,225,000 | $0 | 0.00% |
| Outside of Metro Areas | 9 | $2,845,000 | $316,111 | $0 | 0.00% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 2 | $1,940,000 | $970,000 | $0 | 0.00% |
| Breckenridge, CO (FHA|USDA|VA) | 1 | $1,505,000 | $1,505,000 | $0 | 0.00% |
| Huntsville, TX (FHA|USDA|VA) | 3 | $1,205,000 | $401,667 | $0 | 0.00% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 2 | $900,000 | $450,000 | $0 | 0.00% |
| Brenham, TX (FHA|USDA|VA) | 1 | $565,000 | $565,000 | $0 | 0.00% |
| Rockport, TX (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $0 | 0.00% |
| El Campo, TX (FHA|USDA|VA) | 3 | $445,000 | $148,333 | $0 | 0.00% |
Similar Lenders
We use machine learning to identify the top lenders compared against CommunityBank of Texas N.A. based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 141 | $73,035,000 | $517,979 | $0 | 0.00% |
For 2020, Communitybank Of Texas N.a.'s most frequently originated type of loan was Conventional, with 141 originations.
Loan Reason
For 2020, Communitybank Of Texas N.a.'s most frequently cited loan purpose was Home Purchase, with 104 originations. The 2nd most popular reason was Cash Out Refi, with 23 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 141 | $73,035,000 | $517,979 | $0 | 0.00% |
For 2020, Communitybank Of Texas N.a.'s most frequently cited loan duration was Other, with 141 originations.
Loan Sizing
2020 saw Communitybank Of Texas N.a. place emphasis on $200k-400k loans with 30 originations, totaling $8,660,000 in origination value.
Applicant Income
Communitybank Of Texas N.a. lent most frequently to those with incomes in the $250k+ range, with 49 originations. The second most popular income band? $150k-250k, with 17 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 141 | $73,035,000 | $517,979 | $0 | 0.00% |
Communitybank Of Texas N.a. lent most frequently to those with DTI ratios of Exempt%, with 141 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications68.45%
Communitybank Of Texas N.a. has a low approval rate. They may have poor market targeting or stringent lending standards.
Pick Rate
Approvals leading to origination56.74%
Communitybank Of Texas N.a. has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 141 | $73,035,000 | $517,979 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Multifamily:Site-Built | 9 | $20,155,000 | $2,239,444 |
| Single Family (1-4 Units):Site-Built | 132 | $52,880,000 | $400,606 |
Complaints
| Bank Name | Product | Issue | 2020 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| COMMUNITY BANK SYSTEM, INC. | Conventional home mortgage | Struggling to pay mortgage | 1 | 33.3% |
| COMMUNITY BANK SYSTEM, INC. | Conventional home mortgage | Trouble during payment process | 1 | 33.3% |
| COMMUNITY BANK SYSTEM, INC. | Other type of mortgage | Closing on a mortgage | 1 | 33.3% |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| Communitybank of Texas, N.A. | 100 Texas Avenue Boling, TX 77420 | Full Service B&M | $16,469 |
| Communitybank of Texas, N.A. | 10097 Katy Freeway Houston, TX 77024 | Full Service B&M | $13,009 |
| Communitybank of Texas, N.A. | 10333 Richmond Avenue, Suite 100 Houston, TX 77042 | Full Service B&M | $48,399 |
| Communitybank of Texas, N.A. | 111 Country Lane Lumberton, TX 77657 | Full Service B&M | $20,771 |
| Communitybank of Texas, N.A. | 11550 Fuqua St, Ste 100 Houston, TX 77034 | Full Service B&M | $76,147 |
| Communitybank of Texas, N.A. | 13909 East Freeway Houston, TX 77015 | Full Service B&M | $33,171 |
| Communitybank of Texas, N.A. | 14100 Fm 2100 Crosby, TX 77532 | Full Service B&M | $25,657 |
| Communitybank of Texas, N.A. | 14561 Nw Freeway Houston, TX 77040 | Full Service B&M | $81,004 |
| Communitybank of Texas, N.A. | 1475 N. Main Street Vidor, TX 77662 | Full Service B&M | $35,968 |
| Communitybank of Texas, N.A. | 1610 North Alabama Road Wharton, TX 77488 | Full Service B&M | $47,785 |
| Communitybank of Texas, N.A. | 1900 Research Forest Drive The Woodlands, TX 77381 | Full Service B&M | $21,473 |
| Communitybank of Texas, N.A. | 19010 W. Lake Houston Parkway Humble, TX 77346 | Full Service B&M | $69,322 |
| Communitybank of Texas, N.A. | 2008 W Hwy 365 Nederland, TX 77627 | Full Service B&M | $25,122 |
| Communitybank of Texas, N.A. | 28515 State Highway 249 Tomball, TX 77375 | Full Service B&M | $33,450 |
| Communitybank of Texas, N.A. | 319 Rusk Newton, TX 75966 | Full Service B&M | $26,413 |
| Communitybank of Texas, N.A. | 3300 Edgar Brown Drive Orange, TX 77630 | Full Service B&M | $33,561 |
| Communitybank of Texas, N.A. | 3498 East Sam Houston Pkwy South Pasadena, TX 77505 | Full Service B&M | $282,515 |
| Communitybank of Texas, N.A. | 4690 Sweetwater Blvd. Sugar Land, TX 77479 | Full Service B&M | $232,891 |
| Communitybank of Texas, N.A. | 4749 Twin City Highway Port Arthur, TX 77642 | Full Service B&M | $218,798 |
| Communitybank of Texas, N.A. | 490 Park Street, Suite 105 Beaumont, TX 77701 | Full Service B&M | $8,988 |
| Communitybank of Texas, N.A. | 501 S. Magnolia Woodville, TX 75979 | Full Service B&M | $29,265 |
| Communitybank of Texas, N.A. | 5700 Garth Road Baytown, TX 77521 | Full Service B&M | $138,189 |
| Communitybank of Texas, N.A. | 5999 Delaware Street Beaumont, TX 77706 | Full Service B&M | $736,766 |
| Communitybank of Texas, N.A. | 6202 F.M. 2100 Crosby, TX 77532 | Full Service B&M | $143,271 |
| Communitybank of Texas, N.A. | 6226 Washington Avenue Houston, TX 77007 | Full Service B&M | $22,318 |
| Communitybank of Texas, N.A. | 637 South Wheeler Jasper, TX 75951 | Full Service B&M | $18,363 |
| Communitybank of Texas, N.A. | 6378 Phelan Blvd Beaumont, TX 77706 | Full Service B&M | $38,563 |
| Communitybank of Texas, N.A. | 645 North 5th Street Silsbee, TX 77656 | Full Service B&M | $31,875 |
| Communitybank of Texas, N.A. | 6461 Fm 1960 West Houston, TX 77069 | Full Service B&M | $164,320 |
| Communitybank of Texas, N.A. | 7410 Highway 105 Beaumont, TX 77713 | Full Service B&M | $20,191 |
| Communitybank of Texas, N.A. | 820 Gessner Road Houston, TX 77024 | Full Service B&M | $62,927 |
| Communitybank of Texas, N.A. | 8222 Douglas Ave, Ste 770 Dallas, TX 75225 | Full Service B&M | $14,741 |
| Communitybank of Texas, N.A. | 9 Greenway Plaza, Suite 110 Houston, TX 77046 | Full Service B&M | $474,954 |
| Communitybank of Texas, N.A. | 918 South Margaret Avenue Kirbyville, TX 75956 | Full Service B&M | $18,281 |
| Communitybank of Texas, N.A. | Highway 62 East Buna, TX 77612 | Full Service B&M | $29,203 |
For 2020, Communitybank Of Texas N.a. had 35 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $138,693 |
| Net interest income | $128,621 |
| Total noninterest income | $14,747 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $5,257 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $9,490 |
| Pre-tax net operating income | $34,292 |
| Securities gains (or losses, -) | $34 |
| Income before extraordinary items | $28,066 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $28,066 |
| Minority interest net income | $0 |
| Net income | $28,066 |
| Sale, conversion, retirement of capital stock, net | $0 |
| Net operating income | $28,038 |
Communitybank Of Texas N.a.'s gross interest income from loans was $138,693,000.
Communitybank Of Texas N.a.'s net interest income from loans was $128,621,000.
Communitybank Of Texas N.a.'s fee based income from loans was $5,257,000.
Communitybank Of Texas N.a.'s net income from loans was $28,066,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $10,072 |
| Provision for credit losses | $18,074 |
| Total noninterest expense | $91,002 |
| Salaries and employee benefits | $54,717 |
| Premises and equipment expense | $10,106 |
| Additional noninterest expense | $26,179 |
| Applicable income taxes | $6,260 |
| Net charge-offs | $3,591 |
| Cash dividends | $10,350 |
Communitybank Of Texas N.a.'s interest expense for loans was $10,072,000.
Communitybank Of Texas N.a.'s payroll and benefits expense were $54,717,000.
Communitybank Of Texas N.a.'s property, plant and equipment expenses $10,106,000.
Loan Performance
| Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
|---|---|
| All loans | 0.0% |
| Real Estate loans | 0.0% |
| Construction & Land Development loans | 0.0% |
| Nonfarm, nonresidential loans | 1.0% |
| Multifamily residential loans | 0.0% |
| 1-4 family residential loans | 0.0% |
| HELOC loans | 0.0% |
| All other family | 0.0% |
| Commercial & industrial loans | 1.0% |
| Personal loans | 0.0% |
| Credit card loans | 0.0% |
| Other individual loans | 0.0% |
| Auto loans | 0.0% |
| Other consumer loans | 0.0% |
| Unsecured commercial real estate loans | 0.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $3,337,794 |
| Deposits held in domestic offices | $3,337,794 |
| Deposits by Individuals, partnerships, and corporations | $3,306,678 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $29,316 |
| Deposits by Commercial banks and other depository institutions in U.S. | $1,800 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $394,997 |
| Demand deposits | $335,108 |
| Nontransaction accounts | $2,942,797 |
| Money market deposit accounts (MMDAs) | $1,039,617 |
| Other savings deposits (excluding MMDAs) | $1,605,770 |
| Total time deposits | $297,410 |
| Total time and savings deposits | $3,002,686 |
| Noninterest-bearing deposits | $335,463 |
| Interest-bearing deposits | $3,002,331 |
| Retail deposits | $3,162,000 |
| IRAs and Keogh plan accounts | $21,883 |
| Brokered deposits | $87,953 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $3,949,361 |
| Cash & Balances due from depository institutions | $538,007 |
| Interest-bearing balances | $491,193 |
| Total securities | $237,281 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $2,886,153 |
| Loan and leases loss allowance | $40,637 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $74,437 |
| Other real estate owned | $0 |
| Goodwill and other intangibles | $85,121 |
| All other assets | $128,362 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $3,949,361 |
| Total Liabilities | $3,436,349 |
| Total deposits | $3,337,794 |
| Interest-bearing deposits | $3,002,331 |
| Deposits held in domestic offices | $3,337,794 |
| % insured (estimated) | $43 |
| Federal funds purchased and repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $50,000 |
| Subordinated debt | $0 |
| All other liabilities | $48,555 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $2,886,153 |
| Loan and leases loss allowance | $40,637 |
| Total loans and leases (domestic) | $2,926,790 |
| All real estate loans | $2,057,346 |
| Real estate loans in domestic offices | $2,057,346 |
| Construction and development loans | $519,893 |
| Residential 1-4 family construction | $64,078 |
| Other construction, all land development and other land | $455,815 |
| Loans secured by nonfarm nonresidential properties | $1,038,430 |
| Nonfarm nonresidential secured by owner-occupied properties | $385,130 |
| Commercial real estate & other non-farm, non-residential | $653,300 |
| Multifamily residential real estate | $256,829 |
| 1-4 family residential loans | $239,830 |
| Farmland loans | $2,364 |
| Loans held in foreign offices | $0 |
| Farm loans | $8,690 |
| Commercial and industrial loans | $738,867 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $33,932 |
| Credit card loans | $0 |
| Related Plans | $17,605 |
| Consumer Auto Loans | $2,066 |
| Other loans to individuals | $14,261 |
| All other loans & leases | $87,955 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $87,860 |
| Loans to depository institutions and acceptances of other banks | $0 |
| Loans not secured by real estate | $0 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $32,786 |
| Non 1-4 family restructured loans & leases | $31,196 |
| Total loans and leases (foreign) | $0 |
CommunityBank of Texas N.A. had $2,886,153,000 of loans outstanding in 2020. $2,057,346,000 of loans were in real estate loans. $519,893,000 of loans were in development loans. $256,829,000 of loans were in multifamily mortgage loans. $239,830,000 of loans were in 1-4 family mortgage loans. $8,690,000 of loans were in farm loans. $0 of loans were in credit card loans. $2,066,000 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 | 442 | $117,997 | $266,962 |
| Nonfarm, nonresidential loans - <$100k | 46 | $2,170 | $47,174 |
| Nonfarm, nonresidential loans - $100-250k | 122 | $14,915 | $122,254 |
| Nonfarm, nonresidential loans - $250k-1MM | 274 | $100,912 | $368,292 |
| Commercial & Industrial, US addressed loans - <$1MM | 2,569 | $248,493 | $96,728 |
| Commercial & Industrial, US addressed loans - <$100k | 1,614 | $48,601 | $30,112 |
| Commercial & Industrial, US addressed loans - $100-250k | 497 | $60,002 | $120,728 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 458 | $139,890 | $305,437 |
| Farmland loans - <$1MM | 14 | $2,358 | $168,429 |
| Farmland loans - <$100k | 5 | $173 | $34,600 |
| Farmland loans - $100-250k | 2 | $246 | $123,000 |
| Farmland loans - $250k-1MM | 7 | $1,939 | $277,000 |
| Agriculture operations loans - <$1MM | 87 | $4,601 | $52,885 |
| Agriculture operations loans - <$100k | 64 | $1,424 | $22,250 |
| Agriculture operations loans - $100-250k | 16 | $1,319 | $82,438 |
| Agriculture operations loans - $250k-1MM | 7 | $1,858 | $265,429 |