COMMERCIAL STATE BANK

WAUSA, NE | Small | Est. Dec. 1, 1925, midnight | FDIC #13819 | RSSD #479754 | FDIC
Latest Report: 2025-12-31

COMMERCIAL STATE BANK is asn small FDIC-insured commercial bank headquartered in WAUSA, NE, established in Dec. 1, 1925, midnight. As of 2025-12-31, the bank reported total assets of $246M and total deposits of $219M. Profitability stands at 1.72% ROA and 18.13% ROE, with a net interest margin of 4.09%. The bank's CET1 capital ratio is 9.75%. Asset quality metrics show a non-performing loan ratio of 0.15% and a Texas Ratio of 1.18%. FDIC Certificate #13819.

Assets

$246M

Deposits

$219M

Loans

$211M

Equity

$24M

Profitability

Return on Assets (ROA) 1.72%
Return on Equity (ROE) 18.13%
Net Interest Margin (NIM) 4.09%
Yield on Assets 7.04%
Cost of Funds 3.03%

Asset Quality

NPL Ratio 0.15%
Net Charge-Off Ratio 0.02%
Texas Ratio 1.18%
NPA Ratio 0.13%
ACL / Loans 1.12%

Capital & Liquidity

CET1 Ratio 9.75%
Tier 1 Capital 9.75%
Total Capital Ratio 10.23%
Leverage Ratio 9.60%
Loan-to-Deposit 96.33%

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