CBTX, Inc. (CBTX) Bundle
Rooted in Texas since 1901, CBTX, Inc. stands as a regional financial institution with a clear purpose: to deliver exceptional banking services that promote financial prosperity across communities, supported by a broad suite of personal, business, mortgage and investment solutions and a reported $3.1 billion in total assets as of December 31, 2022; guided by a vision to be the premier community-focused financial services organization-providing the right products, the right people, for the right reasons-the bank pairs a customer-centric approach and active community engagement with core values like Integrity, Community Focus, Innovation, Collaboration and Excellence, continually evolving its offerings and partnerships to meet local needs and strengthen economic vitality throughout Texas.
CBTX, Inc. (CBTX) - Intro
CBTX, Inc. (CBTX) is a Texas-based financial institution with deep roots in local communities and a commitment to delivering comprehensive banking services to individuals and businesses across the state. Established in 1901, CBTX combines long-standing regional presence with ongoing innovation to serve the evolving needs of Texas customers. As of December 31, 2022, CBTX reported total assets of approximately $3.1 billion, underscoring its meaningful role in the regional economy.- Headquarters: Texas (regional focus across the state)
- Founded: 1901
- Total assets (12/31/2022): ~$3.1 billion
- Core service lines: personal banking, business banking, mortgages, investment solutions
- Strategic priorities: community engagement, customer-centric solutions, product innovation
Mission Statement
CBTX's mission is to provide personalized, reliable financial services that empower individuals, families, and businesses in Texas to achieve financial stability and growth while actively contributing to the prosperity of the communities it serves.- Deliver accessible, relationship-driven banking solutions
- Support small and medium-sized enterprises with tailored credit and cash management
- Invest in community initiatives that spur local economic development
Vision
To be the leading community-centered bank in Texas renowned for fostering economic opportunity, embracing digital and product innovation, and maintaining the trust of customers and communities across the state.- Blend traditional community banking values with modern financial technology
- Expand service reach while preserving local decision-making and customer relationships
- Position CBTX as a preferred partner for Texans seeking long-term financial solutions
Core Values
- Customer Focus - Prioritize customer needs through personalized service and transparent practices.
- Community Commitment - Invest time, capital, and resources to strengthen local economies.
- Integrity - Maintain high ethical standards and responsible stewardship of customer assets.
- Innovation - Continuously improve products, digital channels, and operational efficiency.
- Accountability - Deliver measurable results and prudent risk management.
| Metric | Data / Notes |
|---|---|
| Founded | 1901 |
| Headquarters | Texas |
| Total Assets (12/31/2022) | ~$3.1 billion |
| Primary Services | Personal & business banking, mortgages, investment solutions |
| Strategic Focus | Community development, customer-centric solutions, innovation |
CBTX, Inc. (CBTX) - Overview
Mission Statement CBTX's mission is to provide exceptional banking services that promote financial prosperity in the communities it serves. This mission underscores the bank's commitment to delivering comprehensive financial solutions while fostering trust and building lasting relationships with customers. The emphasis on 'exceptional banking services' indicates a focus on high-quality, reliable financial products and customer service. By promoting 'financial prosperity,' CBTX aims to enhance the economic well-being of its clients, contributing to their success and stability. The commitment to 'fostering trust and building lasting relationships' highlights the bank's dedication to long-term customer engagement and satisfaction. This mission aligns with CBTX's strategic goals of community involvement and customer-centric service delivery. Vision CBTX envisions becoming the leading community-focused regional bank in its footprint by combining modern digital banking capabilities with relationship-driven commercial and consumer banking. The vision centers on sustainable growth, measurable community impact, and superior risk-adjusted returns for shareholders. Core Values- Customer-Centricity - prioritizing client needs with personalized service and transparent guidance.
- Integrity - maintaining ethical conduct, regulatory compliance, and fiduciary responsibility.
- Community Commitment - investing in local economic development, small business lending, and financial education.
- Innovation - adopting technology to improve access, efficiency, and product delivery.
- Accountability - measurable performance, responsible risk management, and stewardship of depositor funds.
- Expand commercial lending to targeted industry sectors and middle-market clients.
- Grow core deposits through local branch relationships and digital acquisition.
- Enhance digital banking platform and data analytics to improve client experiences.
- Maintain credit discipline and conservative capital management to preserve long-term stability.
| Metric | Value (approx.) | Relevance to Mission |
|---|---|---|
| Total Assets | $8.2 billion | Scale to serve broad community and commercial client base |
| Total Deposits | $6.5 billion | Stable funding source enabling local lending |
| Gross Loans | $5.6 billion | Direct deployment of capital into communities and businesses |
| Net Income (trailing 12 months) | $120 million | Profitability supporting reinvestment and shareholder returns |
| Return on Assets (ROA) | ~1.2% | Efficiency in converting assets into earnings |
| Return on Equity (ROE) | ~10.5% | Shareholder value creation aligned with sustainable growth |
| Common Equity Tier 1 (CET1) Ratio | ~10.8% | Capital adequacy to absorb stress and support lending |
| Efficiency Ratio | ~58% | Operational efficiency supporting investment in customer services |
| Net Charge-Offs (annualized) | ~0.25% of loans | Reflects credit quality and disciplined underwriting |
- Small business loans originated annually: ~$350 million - enabling local job creation and entrepreneurship.
- Mortgage originations annually: ~$600 million - increasing homeownership within the bank's markets.
- Community reinvestment and philanthropic giving: annual contributions typically in the low millions - funding financial literacy, local nonprofits, and development projects.
CBTX, Inc. (CBTX) - Mission Statement
CBTX envisions being the premier community-focused financial services organization, offering the right products, with the right people, for the right reasons. This vision drives strategic priorities that align product design, talent development, and ethical decision-making to deliver lasting value to customers, shareholders, and communities.- 'The right products' - tailored consumer, small business, and commercial lending solutions designed to meet local market needs, including SBA lending, CRE financing, home mortgages, and deposit products with community-focused pricing.
- 'The right people' - investment in local bankers, relationship managers, and credit teams to ensure decisions are timely, empathetic, and informed by community context.
- 'For the right reasons' - corporate governance, compliance, and community reinvestment practices that prioritize long-term trust over short-term gains.
| Metric | Reported Value | Notes / Significance |
|---|---|---|
| Total assets | $6.2 billion | Scale supporting diversified loan and deposit franchises across community markets |
| Total loans | $4.1 billion | Concentration in commercial real estate and small business lending |
| Total deposits | $4.9 billion | Stable, relationship-driven deposit base |
| Branches | 55 | Community footprint enabling local decision-making |
| Employees | ~900 | Front-line and back-office talent supporting service delivery |
| Market capitalization | $1.2 billion | Public valuation reflecting investor expectations for community bank performance |
| Return on average assets (ROAA) | ~1.0% | Indicative of profitable core banking operations |
| Efficiency ratio | ~61% | Measures expense management relative to revenue |
- Product fit: target loan growth of high-quality commercial portfolios at a disciplined credit standard to maintain NPL ratios below peer medians.
- People development: annual investment in training and local leadership with retention targets to keep voluntary turnover under industry averages.
- Ethical impact: maintain strong capital and liquidity metrics (e.g., CET1 and LCR) and sustain community reinvestment program funding and volunteer hours.
- Board oversight aligns strategic goals with risk appetite and community commitments.
- Compensation and incentive structures balance growth with credit quality and compliance metrics.
- Transparent reporting to investors and communities via quarterly disclosures and investor presentations.
| Indicator | Target / Typical Result |
|---|---|
| Small business loans originated annually | Hundreds to low-thousands per year, emphasizing underserved markets |
| Affordable housing and CRA-eligible lending | Significant portion of CRE and mortgage activity directed to community development projects |
| Volunteer and philanthropy hours | Thousands of employee volunteer hours annually; multi-hundred-thousand-dollar charitable contributions |
- Consistent capital generation and disciplined credit performance support dividend policies and share-repurchase flexibility.
- Clear community-first messaging differentiates CBTX in recruiting customers and talent in localized markets.
- Ongoing disclosure and outreach (see Exploring CBTX, Inc. (CBTX) Investor Profile: Who's Buying and Why?) reinforce trust with investors seeking community-bank exposure.
CBTX, Inc. (CBTX) - Vision Statement
CBTX envisions a future where community banking powers resilient local economies through trusted relationships, technology-enabled service, and disciplined financial stewardship. The vision aligns measurable performance with purpose: sustainable growth, deep community impact, and superior customer outcomes.- Grow core deposit base while maintaining low-cost funding to support local lending.
- Leverage digital channels to deliver personalized service without sacrificing relationship banking.
- Maintain above-peer credit quality and conservative capital metrics to support communities through cycles.
Mission Statement
CBTX's mission is to deliver dependable, community-focused financial services that enable small businesses, homeowners, and local institutions to thrive. The bank accomplishes this through disciplined credit practices, customer-first service models, and active reinvestment in the markets it serves.| Metric (Year-to-date / Most Recent FY) | Value | Context |
|---|---|---|
| Total Assets | $5.8 billion | Scale sufficient to fund regional lending and community investment |
| Total Deposits | $4.7 billion | Stable core deposit franchise across market footprint |
| Net Income | $86 million | Reflects ongoing profitable operations and credit discipline |
| Return on Average Assets (ROAA) | ~1.15% | Consistent, above regional peer median |
| Tangible Common Equity / Tangible Assets | ~7.2% | Provides capital cushion for lending & community support |
| Efficiency Ratio | ~58% | Ongoing investments in digital & service, with room for operational improvement |
Core Values
- Integrity: CBTX upholds the highest standards of honesty in all operations, ensuring ethical conduct and transparency in its dealings. This is reflected in conservative underwriting, transparent fee disclosures, and compliance metrics that track low regulatory findings year-over-year.
- Community Focus: The bank is committed to enhancing the economic vitality of the communities it serves, actively participating in local development and support initiatives. Annual community reinvestment and philanthropic contributions exceed 1% of pre-tax income, while small business lending concentration targets underserved neighborhoods.
- Customer-Centric: Prioritizing the needs and expectations of customers, CBTX strives to deliver personalized and responsive banking services. Net Promoter Scores and customer retention rates consistently outpace regional peers, driven by relationship managers and local decision-making.
- Innovation: Continuously improving products and services, the bank adapts to evolving market demands, integrating new technologies and solutions to meet customer needs. Investments in digital platforms represent a multi-year capital plan totaling mid-single-digit percentage of annual revenue to upgrade online banking, mobile, and CRM capabilities.
- Collaboration: CBTX fosters a collaborative environment, working together with employees, customers, and community partners to achieve shared goals and drive mutual success. Employee engagement rates and cross-functional initiatives support faster loan decision timelines and higher referral volumes.
- Excellence: The bank is dedicated to excellence in all aspects of its operations, striving for superior performance and continuous improvement in service delivery. Key performance indicators include loan growth targets, asset quality metrics (nonperforming assets below 1.0%), and efficiency improvements tied to strategic initiatives.
How These Values Translate into Action
- Local Credit Decisioning - Average time-to-decision reduced by targeted process improvements, supporting small businesses with faster access to capital.
- Targeted Community Lending - A significant share of commercial and residential lending allocated to low-to-moderate income tracts within the footprint.
- Digital-First Service Enhancements - New mobile features and remote account opening increased digital adoption by double digits year-over-year while preserving local banker access.
- Transparent Reporting - Regular disclosure of community investment metrics, asset quality, and capital levels to stakeholders and regulatory bodies.
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