COMMERCIAL BANK

NELSON, NE | Micro | Est. April 1, 1894, midnight | FDIC #12246 | RSSD #42457 | FDIC
Latest Report: 2025-12-31

COMMERCIAL BANK is amn micro FDIC-insured commercial bank headquartered in NELSON, NE, established in April 1, 1894, midnight. As of 2025-12-31, the bank reported total assets of $60M and total deposits of $52M. Profitability stands at 1.94% ROA and 15.09% ROE, with a net interest margin of 4.45%. The bank's CET1 capital ratio is 17.39%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 2.02% and a Texas Ratio of 10.49%. FDIC Certificate #12246.

Assets

$60M

Deposits

$52M

Loans

$43M

Equity

$8M

Profitability

Return on Assets (ROA) 1.94%
Return on Equity (ROE) 15.09%
Net Interest Margin (NIM) 4.45%
Yield on Assets 6.46%
Cost of Funds 2.49%

Asset Quality

NPL Ratio 2.02%
Net Charge-Off Ratio 0.59%
Texas Ratio 10.49%
NPA Ratio 1.43%
ACL / Loans 1.11%

Capital & Liquidity

CET1 Ratio 17.39%
Tier 1 Capital 17.39%
Total Capital Ratio 18.34%
Leverage Ratio 14.62%
Loan-to-Deposit 81.67%

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