Community Nb&T Of Texas (FDIC #18185): Bank Stress & Real-Estate Credit Exposure
Community Nb&T Of Texas (FDIC Cert #18185): bank stress 51/100, moderate, STABLE over 7 days; parent COMMUNITY BK HOLDINGS TX INC.
Community Nb&T Of Texas (#18185) lends in 9 counties across 1 state; Community Nb&T Of Texas (#18185) reaches 201 ZIP codes: Texas 9 counties, 201 ZIPs.
Community Nb&T Of Texas (#18185) largest markets: Tarrant County, TX (152 branches, 76 ZIPs) (#18185), Collin County, TX (40 branches, 40 ZIPs) (#18185), Ellis County, TX (40 branches, 20 ZIPs) (#18185), Fannin County, TX (57 branches, 19 ZIPs) (#18185), Parker County, TX (19 branches, 19 ZIPs) (#18185), Navarro County, TX (51 branches, 17 ZIPs) (#18185).
Community Nb&T Of Texas (#18185) reports $1.68 billion in total assets; Community Nb&T Of Texas (#18185) equity $196.1 million (11.7% of Community Nb&T Of Texas (#18185) assets); Community Nb&T Of Texas (#18185) domestic deposits $1.42 billion; Community Nb&T Of Texas (#18185) net income $13.8 million; Community Nb&T Of Texas (#18185) return on assets 1.66%; Community Nb&T Of Texas (#18185) return on equity 14.42%; Community Nb&T Of Texas (#18185) net interest income $34.3 million; Community Nb&T Of Texas (#18185) call report June 30, 2026.
Community Nb&T Of Texas (#18185) noncurrent real-estate loans: none reported; Community Nb&T Of Texas (#18185) net charge-offs on real estate 0.10%; Community Nb&T Of Texas (#18185) residential charge-offs 0.07%.
Community Nb&T Of Texas (#18185) net interest margin 4.65% against an eight-quarter Community Nb&T Of Texas (#18185) average of 4.53% (Community Nb&T Of Texas (#18185) compression -0.12 points); Community Nb&T Of Texas (#18185) non-residential real estate 7.4% of equity; Community Nb&T Of Texas (#18185) rate-exposure score 40/100, Community Nb&T Of Texas (#18185) fixed-rate trap 40/100; Community Nb&T Of Texas (#18185) risk type credit driven; Community Nb&T Of Texas (#18185) rate regime rates elevated, Community Nb&T Of Texas (#18185) snapshot October 19, 2026.
Community Nb&T Of Texas (#18185) stress score moved from 52.6 on June 22, 2026 to 51.5 on October 19, 2026; Community Nb&T Of Texas (#18185) ranged 51.5 to 52.6 over 116 snapshots.
Community Nb&T Of Texas (#18185) alerts: 9 counties; top Community Nb&T Of Texas (#18185) alert scores: Centerville County, TX 17 (low); Fairfield County, TX 17 (low); Fort Worth County, TX 17 (low); Frost County, TX 17 (low); Melissa County, TX 17 (low).