A bigger slice of Texarkana
In Texarkana, AR-TX, where it has lent since at least 1990, its share rose from 1.5% to 3.4%. Mortgage Financial Services led the market.
Applications / Mortgage Analytics / Lenders / Texas / Commercial National Bank of Texarkana
Commercial National Bank of Texarkana
Texarkana, TX · National bank · OCC · $328 million assets · 65 loans in 2025
Commercial National Bank of Texarkana's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
65
loans originated, 2025
85
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Commercial National Bank of Texarkana more than doubled its share of its home market in 2025. It now ranks 10 of 198 lenders in Texarkana, its only metro.
Growing faster than peers
It made 65 loans, up 33% from 49, against 3% at similar lenders (national banks making between half and twice as many loans) and 10% for the whole market. That was faster than at about four in five of those peers. Its dollar total rose from $10.2 million to $18.0 million.
Mostly home purchases
Purchases made up 67.7% of its lending, refinances 20.0% and home improvement 9.2%. All its loans were conventional. Its typical loan, $155,000, was smaller than at about two-thirds of similar lenders.
Poorer and majority-minority neighborhoods
Low- and moderate-income (LMI) neighborhoods took 27.1% of its loans and majority-minority areas 18.8%, against 16.1% and 7.7% at similar lenders. Both shares were higher than at most similar lenders, and both rose or held steady from 2024.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
65 loans in 2025, its most in any year since 2018.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Commercial National Bank of Texarkana took 85 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
67.7% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 67.7% · Refinance 20.0% · Home improvement 9.2% · Other 3.1%
Conventional 100.0% · of 65 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
2 states, 1 metro, 3 counties
| State | Loans | Share |
|---|---|---|
| Texas | 26 | 40.0% |
| Arkansas | 22 | 33.8% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Texarkana | 48 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300SG7DAVFO3NTC34 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 794149 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 115257 | 1990–2017 |
Established 5 February 1964. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Commercial National Bank of Texarkana's data.
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Commercial National Bank of Texarkana's data
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Commercial National Bank of Texarkana and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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