Commercial Bank (Nelson, NE)
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Data as of · sourced from FFIEC call reports. How we update
Commercial Bank is an FDIC-insured commercial bank headquartered in Nelson, NE, established in 1894 (FDIC certificate 12246), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $56.5M, down 2.7% from Q2 2025, the 127th largest of 138 banks headquartered in Nebraska. Its CET1 capital ratio was 19.01% 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
- 12246
- Headquarters
- Nelson, NE
- Established
- 1894
- Total assets, Q2 2026
- $56.5M
- Assets vs Q2 2025
- -2.7%
- CET1 ratio, Q2 2026
- 19.01%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 104102642
- Holding company
- C L C ENTERPRISES, INC.
- Asset rank in state
- 127th of 138 in Nebraska
Problem loans are rising at Commercial Bank. Its balance sheet stood at $56 million at June 30, 2026, down 2.7% from a year earlier; it is based in Nelson, Nebraska. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 3.06% of loans from 1.05% a year earlier. It lost 7.0% of its deposits over the year, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median 2.5%). It also carries problem assets equal to 14.3% of the capital and reserves that would absorb them, 10.4 times the median of 1.4% for banks its size.
Delinquency has appeared in its $12 million commercial and industrial book: 2.80% of those loans are past due or on nonaccrual, against almost none a year earlier. Loans and deposits moved in opposite directions: over the year loans rose 2.8% and deposits fell 7.0%.
As of June 30, 2026, Commercial Bank reported a CET1 capital ratio of 19.01%, a return on assets of 1.05%, a nonperforming-loan ratio of 3.06% and a Texas ratio of 14.33%. The figures come from its call report filed with the FFIEC.
Commercial Bank ranks as the 127th largest of the 138 banks based in Nebraska, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 1.7% to $56.5M, loans rose 5.1% and deposits fell 5.4%. Its loan book on June 30, 2026 was led by commercial and industrial loans, at 31.7% of total loans, followed by agricultural production loans at 26.1%. The FDIC Summary of Deposits lists a single office for it, in Nelson, NE. Judged on its Q2 2026 call report, Commercial Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 401 S Main St, Nelson, NE 68961
- County
- Nuckolls
- 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
- —
- Call Report form
- FFIEC 051
- Established
- April 1, 1894
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 6
- Domestic deposits
- $47.0M
- Allowance for credit losses
- $517K
- Net charge-offs (YTD)
- $50K
- Average total assets
- $57.6M
- Average total loans
- $38.4M
- Average interest-bearing deposits
- $40.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12246
- Fed RSSD
- 42457
- Website
- www.gotocb.net →
- Parent Holding Company
- C L C ENTERPRISES, INC. (RSSD 1053142)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
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
Over the 12 quarters to Q2 2026, Commercial Bank's total assets ran between $56.5M (Q2 2026) and $65.3M (Q4 2023), 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
$56.5M total assets against $58.0M; $48.6M total liabilities against $50.8M.
$38.6M net loans and leases against $37.4M; $47.0M total deposits against $50.5M.
$15.6M securities against $16.2M; $1.1M cash and balances due against $3.2M.
$833K total interest income against $843K; $221K total interest expense against $285K.
$612K net interest income against $558K.
$13K total noninterest income against $11K; $414K total noninterest expense against $416K.
$48K provision for credit losses against $12K.
$151K net income against $119K.
1.05% return on assets against 0.80%; 4.49% net interest margin against 3.90%.
19.01% CET1 capital ratio against 17.67%; 15.24% tier 1 leverage ratio against 14.09%.
Inside the full Commercial Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.25% (Q1 2025) to 1.93% (Q4 2025) and its net interest margin ran from 3.75% (Q3 2024) to 4.49% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 19.01% | 1.05% | 3.06% | 14.33% | 4.49% |
| Q1 2026 | 18.35% | 1.01% | 2.23% | 10.11% | 4.33% |
| Q4 2025 | 17.39% | 1.93% | 2.02% | 10.49% | 4.32% |
| Q3 2025 | 17.46% | 1.30% | 0.98% | 4.99% | 4.32% |
| Q2 2025 | 17.67% | 0.80% | 1.05% | 5.10% | 3.90% |
| Q1 2025 | 16.99% | 0.25% | 1.09% | 5.17% | 3.83% |
| Q4 2024 | 16.69% | 0.74% | 1.26% | 6.49% | 3.93% |
| Q3 2024 | 16.83% | 0.86% | 1.24% | 6.36% | 3.75% |
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Branch Network
View the branch → 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.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Commercial Bank (main office) | Nelson , NE | 68961 | $47.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NE, rank 141 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 $56.5 million in its FFIEC call report.
Where is Commercial Bank headquartered?
It is headquartered in Nelson, NE, United States.
When was Commercial Bank founded?
It was established in 1894, per the FDIC institution directory.
Is Commercial Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12246). 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 19.01% 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 1 domestic office, 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 14.33% 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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