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Commercial Bank (Parsons, KS)

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Parsons, KS $100M to $1B in assets Est. May 30, 1874 FDIC #11777 RSSD #296559 Routing #101100375 FDIC

Data as of · sourced from FFIEC call reports. How we update

Commercial Bank is an FDIC-insured commercial bank headquartered in Parsons, KS, established in 1874 (FDIC certificate 11777), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $382.2M, up 4.4% from Q2 2025, the 55th largest of 182 banks headquartered in Kansas. Its CET1 capital ratio was 16.24% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.

Charter
Commercial bank
Regulator
FDIC
Deposit insurance
FDIC
FDIC certificate
11777
Headquarters
Parsons, KS
Established
1874
Total assets, Q2 2026
$382.2M
Assets vs Q2 2025
+4.4%
CET1 ratio, Q2 2026
16.24%
Domestic offices
8 FDIC institution directory, current count
Routing number
101100375
Latest call report
Q2 2026, FFIEC 051 · Commercial Bank call report
Asset rank in state
55th of 182 in Kansas
Assets
$382.2M
Deposits
$354.2M
Loans
$175.0M
Equity
$25.9M

Commercial Bank operates with a thinner capital cushion than most banks of its size. Based in Parsons, Kansas, it had $382 million in assets at June 30, 2026, up 4.4% from a year earlier. It funds 8.33% of its assets with Tier 1 capital, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). On the other hand, it pays an average of 1.15% on its deposits and borrowings, lower than about three-quarters of banks its size (median 1.80%).

Earnings fell sharply: quarterly net income of $677,000 was 50% below a year earlier. Unrealized losses on its securities total $7.6 million, equal to 23% of Tier 1 capital, against 27% a year earlier. Profitability lags: it earns about $0.68 a year on every $100 of assets, about half the median of $1.28 for banks its size.

As of June 30, 2026, Commercial Bank reported a CET1 capital ratio of 16.24%, a return on assets of 0.68%, a nonperforming-loan ratio of 0.72% and a Texas ratio of 2.41%. The figures come from its call report filed with the FFIEC.

Commercial Bank ranks as the 55th largest of the 182 banks based in Kansas, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.4% to $382.2M, loans fell 0.8% and deposits rose 0.2%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 35.0% of total loans, followed by commercial and industrial loans at 18.7%. Its 8 offices in the FDIC Summary of Deposits are in 6 cities in KS; its Parsons 3 offices book 52% of its branch deposits. By the capital ratios in its Q2 2026 call report, Commercial Bank meets every capital ratio test for well capitalized.

Headquarters Profile

Address
1901 Main St, Parsons, KS 67357
County
Labette
Charter
Commercial bank, state charter, Fed non-member, FDIC-supervised
Primary Regulator
FDIC
FDIC Region
Kansas City (Region 11)
Federal Reserve member
No
Federal Reserve district
District 10, Kansas City
Fiduciary (trust) powers
Trust powers grandfathered
Call Report form
FFIEC 051
Established
May 30, 1874
Domestic offices
8 FDIC institution directory, current count
Employees (FTE)
68
Domestic deposits
$354.2M
Allowance for credit losses
$2.3M
Net charge-offs (YTD)
$4K
Average total assets
$398.9M
Average total loans
$174.8M
Average interest-bearing deposits
$292.6M
Tax status
Subchapter S
Ownership
Stock
Community bank
Yes
FDIC-insured since
January 1, 1934
FDIC Cert
11777
Fed RSSD
296559

Profitability

Q2 annualized
Return on Assets0.68%YTD 0.80%
Return on Equity10.00%YTD 11.00%
Net Interest Margin3.53%YTD 3.43%

Balance Sheet

Total liabilities$356.3M
Cash & balances due$15.6M
Securities, available-for-sale$179.7M
Securities, held-to-maturity$0
Goodwill & intangibles$0

Income Statement

Net income Q2$677K
Net interest income YTD$6.4M
Total interest income YTD$8.5M
Total interest expense YTD$2.1M
Provision for credit losses YTD$142K

Operating & Funding

Total noninterest income YTD$1.3M
Total noninterest expense YTD$5.5M

Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures

Quarterly trends

From Q3 2023 to Q2 2026, Commercial Bank's total assets ranged from $348.4M (Q1 2024) to $383.7M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built

Total assets and total liabilities

$382.2M total assets against $366.2M; $356.3M total liabilities against $341.5M.

Loans and leases against deposits

$172.7M net loans and leases against $168.4M; $354.2M total deposits against $339.4M.

Securities and cash

$183.5M securities against $165.9M; $15.6M cash and balances due against $22.4M.

Interest income against interest expense

$4.4M total interest income against $4.0M; $1.0M total interest expense against $1.0M.

Net interest income

$3.3M net interest income against $2.9M.

Noninterest income against noninterest expense

$361K total noninterest income against $857K; $2.7M total noninterest expense against $2.6M.

Provision for credit losses

-$11K provision for credit losses against $51K.

Net income

$677K net income against $1.4M.

Return on assets and net interest margin

0.68% return on assets against 1.44%; 3.53% net interest margin against 3.26%.

CET1 and Tier 1 leverage ratios

16.24% CET1 capital ratio against 16.28%; 8.33% tier 1 leverage ratio against 8.82%.

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21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts

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Quarterly trend: last 8 quarters

Across the 8 quarters to Q2 2026, its return on assets ran from 0.68% (Q2 2026) to 2.29% (Q3 2025) and its net interest margin ran from 2.97% (Q3 2024) to 3.53% (Q2 2026).

Quarter CET1 ROA NPL Texas NIM
Q2 2026 16.24% 0.68% 0.72% 2.41% 3.53%
Q1 2026 16.38% 0.92% 0.71% 2.20% 3.32%
Q4 2025 18.07% 2.20% 0.82% 2.47% 3.45%
Q3 2025 17.04% 2.29% 0.89% 3.08% 3.29%
Q2 2025 16.28% 1.44% 1.03% 4.34% 3.26%
Q1 2025 16.90% 1.90% 1.90% 6.13% 3.21%
Q4 2024 17.30% 0.95% 1.95% 6.52% 3.01%
Q3 2024 17.23% 1.39% 2.06% 6.77% 2.97%

Swipe the table sideways to see every column.

Branch Network

View all 8 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.

1–8 of 8
Branch Location ZIP Deposits
Commercial Bank (main office) Parsons , KS 67357 $184.2M
Independence Branch Independence , KS 67301 $63.6M
Oswego Branch Oswego , KS 67356 $41.8M
Coffeyville Branch Coffeyville , KS 67337 $33.1M
Erie Branch Erie , KS 66733 $18.1M
Chanute Branch Chanute , KS 66720 $13.3M
Parsons Down Town Branch Parsons , KS 67357 $0
Parsons West Branch Parsons , KS 67357 $0

Events & Regulatory History

Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.

Date Category Event Source
May 5, 1990 Structure Change Acquired Mid-America Federal Savings and Loan Association Failure, Government Assistance Provided for the acquired bank FFIEC NIC
May 4, 1990 Merger Participated in Absorption/Consolidation/Merger FDIC
May 19, 1989 Structure Change Acquired First National Bank at Oswego Failure, Government Assistance Provided for the acquired bank FFIEC NIC
May 18, 1989 Merger Participated in Absorption/Consolidation/Merger FDIC
September 24, 1985 Merger Participated in Absorption/Consolidation/Merger FDIC
September 13, 1985 Structure Change Acquired The State Bank of Parsons Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank FFIEC NIC

Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.

Regulatory record

Facts as filed or published, not a rating.

Deposit market share
0.3% of deposits in KS, rank 67 of 231 institutions
Period: June 30, 2026. Source: FDIC Summary of Deposits.
SBA 7(a) lending
1 loans, $1.5M approved, $1.5M average. 0.00% of that year's loans have since been charged off
Period: Federal fiscal year 2020 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
Not on file
Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources

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Frequently asked about Commercial Bank

What are Commercial Bank's total assets?

As of the Q2 2026 filing, Commercial Bank reported total assets of $382.2 million in its FFIEC call report.

Where is Commercial Bank headquartered?

It is headquartered in Parsons, KS, United States.

When was Commercial Bank founded?

It was established in 1874, per the FDIC institution directory.

Is Commercial Bank FDIC-insured?

Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11777). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.

Who regulates Commercial Bank?

Commercial Bank's primary federal regulator is the FDIC.

What is Commercial Bank's CET1 capital ratio?

It reported a Common Equity Tier 1 (CET1) capital ratio of 16.24% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.

How many branches does Commercial Bank operate?

It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.

What is Commercial Bank's Texas Ratio?

Its Texas Ratio is 2.41% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.

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