COMMERCIAL STATE BANK

REPUBLICAN CITY, NE | Micro | Est. Jan. 1, 1903, midnight | FDIC #1986 | RSSD #924553 | FDIC
Latest Report: 2025-12-31

COMMERCIAL STATE BANK is amn micro FDIC-insured commercial bank headquartered in REPUBLICAN CITY, NE, established in Jan. 1, 1903, midnight. As of 2025-12-31, the bank reported total assets of $75M and total deposits of $50M. Profitability stands at -0.95% ROA and -3.80% ROE, with a net interest margin of 2.72%. The bank's CET1 capital ratio is 25.70%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #1986. The institution operates 1 domestic branch.

Assets

$75M

Deposits

$50M

Loans

$22M

Equity

$19M

Profitability

Return on Assets (ROA) -0.95%
Return on Equity (ROE) -3.80%
Net Interest Margin (NIM) 2.72%
Yield on Assets 5.20%
Cost of Funds 3.51%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio -0.01%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.10%

Capital & Liquidity

CET1 Ratio 25.70%
Tier 1 Capital 25.70%
Total Capital Ratio 26.98%
Leverage Ratio 27.90%
Loan-to-Deposit 43.99%

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