COMMERCIAL STATE BANK

PALMER, TX | Small | Est. March 1, 1930, midnight | FDIC #10330 | RSSD #1017564 | FDIC
Latest Report: 2025-12-31

COMMERCIAL STATE BANK is asn small FDIC-insured commercial bank headquartered in PALMER, TX, established in March 1, 1930, midnight. As of 2025-12-31, the bank reported total assets of $120M and total deposits of $108M. Profitability stands at 0.24% ROA and 2.46% ROE, with a net interest margin of 5.13%. The bank's CET1 capital ratio is 25.50%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 4.62% and a Texas Ratio of 23.55%. FDIC Certificate #10330.

Assets

$120M

Deposits

$108M

Loans

$44M

Equity

$12M

Profitability

Return on Assets (ROA) 0.24%
Return on Equity (ROE) 2.46%
Net Interest Margin (NIM) 5.13%
Yield on Assets 5.34%
Cost of Funds 0.22%

Asset Quality

NPL Ratio 4.62%
Net Charge-Off Ratio 1.26%
Texas Ratio 23.55%
NPA Ratio 2.53%
ACL / Loans 1.78%

Capital & Liquidity

CET1 Ratio 25.50%
Tier 1 Capital 25.50%
Total Capital Ratio 26.76%
Leverage Ratio 10.49%
Loan-to-Deposit 40.56%

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