Commercial Bank Of Texas

What Commercial Bank Of Texas does

Commercial Bank of Texas, N.A. (CBTx) is a privately held, FDIC-insured national bank headquartered in Nacogdoches, Texas, founded in 1901. It operates as a traditional community bank offering consumer and commercial banking, lending, insurance, and wealth management services through 17+ branches organized across five regional Texas markets: Nacogdoches (7 branches), Angelina (7 branches), Rains County (3 branches), North Texas (6 branches across DFW-area cities), and Beaumont/Jefferson County in Southeast Texas.

The product set spans five personal checking tiers, savings/Money Market/CD/IRA accounts, three business checking products, a comprehensive Business Digital Banking platform (with Positive Pay fraud protection, ACH/wire, Remote Deposit Capture, Autobooks invoicing, merchant services), and a full lending suite covering fixed-rate, FHA, VA, construction, home equity, and jumbo mortgages; auto, RV, and boat loans; SBA Express, business, installment, and Farm Service Agency-backed agricultural loans; and Gold MasterCard/Visa Classic/Visa Platinum credit cards. Technology is delivered through an omnichannel stack combining a 24/7 online and mobile banking platform with mobile deposit, eStatements, Zelle P2P, MX-powered money management, FIS-powered bill pay, and DreamPoints-based card rewards; notably, all of these are third-party integrations rather than proprietary AI or core systems.

The business model is a standard community-bank revenue stack: net interest income from the loan portfolio is the primary driver, supplemented by deposit account service charges (e.g., $10/month on High Interest Checking below the $1,500 minimum, $4.95/month for E-Free Checking bill pay), interchange and fee income on credit and debit cards, insurance commissions through CBTx Insurance Services, and fee-based wealth management through CBTx Wealth Management. GTM is omnichannel and relationship-led: local loan officers and personal bankers at each branch make credit and deposit decisions in-market, supported by community sponsorships, referral-driven customer acquisition, and a digital self-serve layer for online account opening and loan applications. The bank holds a 5-Star Bauer Financial rating and is regulated by the Office of the Comptroller of the Currency.

Name

Commercial Bank Of Texas

Legal name

Commercial Bank of Texas, N.A.

Website

https://cbtx.com

Company type

Private

Founded year

1901

Operating status

Operating

Headcount range

101–250 employees

Short description

Commercial Bank of Texas is a privately held, FDIC-insured community bank founded in 1901 and headquartered in Nacogdoches, Texas, serving consumers, small businesses, and agricultural borrowers through 17+ branches across East, North, and Southeast Texas with deposits, lending, insurance, and wealth management.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211), Commercial Banking (522110)

SIC

National Commercial Banks (6021)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industries

Retail Lending (Personal Loans, Auto, Credit Lines) (FSABAAAB), SME Business Lending (Term Loans, Lines of Credit, Overdrafts) (FSABABAB), SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC), Credit Cards & Revolving Credit (FSABAAAC), Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI)

Keywords

• Community banking services
• Consumer banking products
• Commercial lending services
• Residential mortgage loans
• Wealth management services

Headquarters

HQ city

Nacogdoches

HQ country

United States

HQ region

North America

Offices16 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Revenue model

1. Interest Income from Loans: Primary revenue source from interest charged on various loan products including mortgages, auto loans, business loans, SBA loans, and installment loans. Interest rates vary by product type and borrower creditworthiness.
2. Deposit Account Fees: Monthly service charges on accounts that do not maintain minimum balance requirements, plus various transaction fees. High Interest Checking charges $10/month if balance falls below $1,500 minimum.
3. Credit Card Fees: Transaction fees from credit card usage including cash advances up to 50% of credit line. Cards include Gold MasterCard, Visa Classic, and Visa Platinum in Low Rate and Preferred Points options.
4. Bill Payment Service Fees: $4.95/month for E-Free Checking Bill Payment Service; free for customers using other Demand Deposit Accounts as primary billing account.
5. Insurance Services: CBTx Insurance Services division offering insurance products through Greg Porter, Agent. Revenue from insurance product sales and referrals.
6. Wealth Management: Trust services and investment products managed through CBTx Wealth Management division, providing fee-based wealth management services.

Pricing tiers

Go-to-market motion1 record

Distribution channels7 records

Marketing channels6 records

Core offering

Commercial Bank of Texas is a community-chartered national bank offering consumer deposit accounts (checking, savings, CDs, IRAs), business banking services (commercial checking, business digital banking), lending products (mortgages, auto, SBA, business, installment loans), credit cards, insurance products through its CBTx Insurance Services division, and trust and wealth management services through CBTx Wealth Management. Operating primarily across East Texas, North Texas, and Southeast Texas markets through a branch-based relationship banking model.

Product overview

Commercial Bank Of Texas (CBTx) is a full-service community bank offering a unified banking platform with multiple product lines. The core offerings include personal banking products (5 checking account types, 5 savings/CD/IRA products), business banking products (3 commercial checking types plus Business Digital Banking), and lending products (6 home loan types, auto loans, SBA loans, business loans, installment loans). Supporting services include credit cards (MasterCard/Visa options), wealth management, and insurance. All account holders receive free online banking, mobile banking, bill pay, and eStatements. Business customers get additional digital tools including Positive Pay fraud protection, merchant services, remote deposit capture, and Autobooks invoicing. The bank operates across multiple Texas markets with local decision-making and personal service emphasis.

Differentiator

Problem solved

Functional benefit

Products and services

• Totally Free Checking Free personal checking account with no monthly service charge, including free CBTx Debit Card, free Online Banking, free Bill Pay, free Mobile Banking, and free eStatements. Requires $50 opening deposit. Designed for everyday consumer banking needs.
• High Interest Checking Interest-bearing premium checking account that earns the highest interest rate when maintaining a $1,500 minimum balance. $10 monthly fee is waived when minimum balance is maintained. Includes free personalized checks, online banking, mobile banking, bill pay, and debit card.
• Direct Interest Checking Interest-bearing checking account designed for customers with direct deposit or automatic payments, offering competitive interest rates with fee-free maintenance for enrolled customers.
• 50+ Interest Checking Interest-bearing checking account designed for customers aged 50 and older, offering competitive interest rates and enhanced banking benefits for experienced customers.
• Health Savings Account Tax-advantaged savings account for individuals with high-deductible health plans, allowing users to save for medical expenses while enjoying potential tax benefits.
• Savings Accounts Basic savings account providing a foundation for financial planning with automatic transfer options from checking accounts and free online banking access.
• Money Market Account Interest-bearing savings account providing liquidity with competitive interest rates, designed for customers seeking higher yields while maintaining access to funds.
• CBTx Christmas Bonus Account Specialized savings account helping customers plan ahead for holiday expenses, allowing stress-free Christmas savings with regular deposits throughout the year.
• Certificates of Deposit (CDs) Fixed-term deposit accounts offering safe, secure earnings with guaranteed returns over a specified period, suitable for low-risk investment to grow money.
• IRAs (Individual Retirement Accounts) Tax-advantaged retirement savings accounts including Traditional and Roth options, helping customers save for retirement with potential tax benefits.
• Commercial Checking Business checking account designed for largest business customers with comprehensive banking services and features tailored to commercial banking needs.
• Business Interest Checking Interest-bearing business checking account for businesses that maintain higher balances, earning competitive interest while providing full business banking functionality.

Segments7 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

Feature12 records

Partnerships

Six partnerships are on record, tiered core.

• U.S. Small Business Administration (SBA)coreStrategic or Co-development PartnerCBTx works with the SBA to provide SBA Express and other small business loan products, helping entrepreneurs start and expand businesses through government-backed financing programs.
• Farm Service Agency (FSA)coreStrategic or Co-development PartnerCBTx partners with the USDA Farm Service Agency to provide agricultural loans helping farmers start, improve or expand their farming operations with favorable government-backed financing.
• VisacoreTechnology or IntegrationCBTx issues Visa credit cards (Visa Classic and Visa Platinum) providing worldwide acceptance and card network infrastructure for customer transactions.
• MasterCardcoreTechnology or IntegrationCBTx issues Gold MasterCard credit cards providing worldwide acceptance and card network infrastructure for customer transactions.
• ZellecoreTechnology or IntegrationCBTx offers Zelle person-to-person payment service enabling customers to send money quickly to friends and family using their bank's mobile app or online banking.
• FIS (Financial Insurance Services)coreTechnology or IntegrationCBTx Bill Payment service is powered by FIS, providing the technology infrastructure for scheduling and processing bill payments to third parties.

Scale indicators4 records

Recent moves7 records

Expansion highlights5 records

Broad incumbents

• Prosperity Bancshares: Large Texas-based community banking franchise with extensive branches and full-service consumer and commercial banking, an established scaled competitor.
• First Financial Bankshares (First Financial Bank): Larger Texas-focused community/regional bank holding company with broad statewide branch presence, offering the same product mix at greater scale.
• Cadence Bank: Large regional bank operating across Texas and the South (successor to BancorpSouth) offering the full banking suite, a scaled incumbent that draws talent and customers from CBTx's markets.

Regional players

• VeraBank: East Texas community bank (headquartered in Henderson) offering consumer and commercial banking across overlapping markets, making it a very close geographic and product peer.
• Guaranty Bancshares (Guaranty Bank & Trust): Texas community bank serving East and North Texas with full-service consumer and commercial banking, directly comparable in footprint and model.
• Southside Bank (Southside Bancshares): Tyler, Texas-based community bank operating across East Texas and DFW, competing in the same markets with similar retail and commercial offerings.
• Austin Bank, Texas N.A. Long-established East Texas national community bank with a dense branch network in overlapping counties, a direct relationship-banking competitor.
• Texas Regional Bank: Independent Texas community bank offering consumer, commercial, and wealth/trust services, comparable in model and target customer base.
• CommunityBank of Texas: Southeast/East Texas commercial bank serving businesses and consumers, overlapping directly in the Beaumont/Jefferson County market CBTx is entering.
• Spirit of Texas Bank: Texas community bank focused on SBA and small business lending plus retail banking, comparable in its SME and government-backed lending emphasis.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/CommBankTexas
• Instagraminstagram.com/commercial_bank_of_texas

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Commercial Bank Of Texas