BanksCOMMERCIAL STATE BANK

COMMERCIAL STATE BANK

WAUSA, NESmallEst. Dec. 1, 1925, midnightFDIC #13819RSSD #479754FDIC
Latest · 2025-12-31

COMMERCIAL STATE BANK is an 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%. CET1 capital ratio: 9.75%. NPL ratio: 0.15% · Texas Ratio: 1.18%. Operates 3 domestic branches.

Assets
$246M
Deposits
$219M
Loans
$211M
Equity
$24M

Profitability

Return on Assets (ROA)1.72%
Return on Equity (ROE)18.13%
Net Interest Margin4.09%
Yield on Assets7.04%
Cost of Funds3.03%

Asset Quality

NPL Ratio0.15%
Net Charge-Off Ratio0.02%
Texas Ratio1.18%
NPA Ratio0.13%
ACL / Loans1.12%

Capital & Liquidity

CET1 Ratio9.75%
Tier 1 Capital9.75%
Total Capital Ratio10.23%
Leverage Ratio9.60%
Loan-to-Deposit96.33%

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