Commercial State Bank (Palmer, TX)
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Data as of · sourced from FFIEC call reports. How we update
Commercial State Bank is an FDIC-insured commercial bank headquartered in Palmer, TX, established in 1930 (FDIC certificate 10330), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $126.6M, up 7.8% from Q2 2025, the 296th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 27.86% 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
- 10330
- Headquarters
- Palmer, TX
- Established
- 1930
- Total assets, Q2 2026
- $126.6M
- Assets vs Q2 2025
- +7.8%
- CET1 ratio, Q2 2026
- 27.86%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 111908512
- Holding company
- PALMER BANCSHARES, INC.
- Asset rank in state
- 296th of 346 in Texas
Commercial State Bank, based in Palmer, Texas, reported $127 million in assets at June 30, 2026, up 7.8% from a year earlier. It pays an average of 0.49% on its deposits and borrowings, a small fraction of the median of 1.80% for the 2,660 banks with $100 million to $1 billion in assets. It also holds common equity equal to 27.86% of its risk-weighted assets, about double the median of 15.12% for banks its size.
Loans and deposits moved in opposite directions: over the year loans fell 6.7% and deposits rose 7.9%. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 5.44% of loans, down from 6.11% a year earlier. Credit is the area to watch: it carries problem assets equal to 24.8% of the capital and reserves that would absorb them, 9.4 times the median of 2.6% for banks its size.
As of June 30, 2026, Commercial State Bank reported a CET1 capital ratio of 27.86%, a return on assets of 1.66%, a nonperforming-loan ratio of 5.44% and a Texas ratio of 24.78%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, Commercial State Bank is the 296th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 4.4% to $126.6M, loans fell 5.6% and deposits rose 5.3%. Non-owner-occupied commercial real estate loans made up 21.6% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 20.0%. Its 3 offices in the FDIC Summary of Deposits are in Ferris, TX, Palmer, TX and Wilmer, TX; its Ferris office books 43% of its branch deposits. By the capital ratios in its Q2 2026 call report, Commercial State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 8045 N Interstate 45 Service Rd, Palmer, TX 75152
- County
- Ellis
- Metro Area
- Dallas-Fort Worth-Arlington, TX
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- March 1, 1930
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 25
- Domestic deposits
- $114.3M
- Allowance for credit losses
- $721K
- Net charge-offs (YTD)
- $89K
- Average total assets
- $120.8M
- Average total loans
- $41.9M
- Average interest-bearing deposits
- $54.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10330
- Fed RSSD
- 1017564
- Website
- www.csbpalmer.com →
- Parent Holding Company
- PALMER BANCSHARES, INC. (RSSD 2251132)
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
Commercial State Bank's total assets moved between a low of $100.9M (Q3 2023) and a high of $126.6M (Q2 2026) from Q3 2023 to Q2 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
$126.6M total assets against $117.4M; $114.7M total liabilities against $106.5M.
$40.0M net loans and leases against $42.8M; $114.3M total deposits against $105.9M.
$53.0M securities against $55.0M; $27.4M cash and balances due against $13.2M.
$1.4M total interest income against $1.5M; $135K total interest expense against $53K.
$1.3M net interest income against $1.4M.
$175K total noninterest income against $285K; $1.0M total noninterest expense against $979K.
-$55K provision for credit losses against $90K.
$501K net income against $627K.
1.66% return on assets against 2.12%; 4.58% net interest margin against 5.20%.
27.86% CET1 capital ratio against 24.28%; 10.92% tier 1 leverage ratio against 10.76%.
Inside the full Commercial State 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.
Commercial State Bank rankings
Its closest position to the top of a national ranking is 105 of 3,640, for Texas Ratio; its furthest is 3,465 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.24% (Q4 2025) to 2.12% (Q2 2025) and its net interest margin ran from 4.58% (Q2 2026) to 5.72% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 27.86% | 1.66% | 5.44% | 24.78% | 4.58% |
| Q1 2026 | 26.70% | 1.50% | 5.59% | 25.19% | 4.70% |
| Q4 2025 | 25.50% | 0.24% | 5.18% | 25.43% | 4.86% |
| Q3 2025 | 25.38% | 2.09% | 6.81% | 30.86% | 5.15% |
| Q2 2025 | 24.28% | 2.12% | 9.15% | 31.48% | 5.20% |
| Q1 2025 | 24.58% | 1.84% | 3.25% | 21.38% | 5.45% |
| Q4 2024 | 24.32% | 1.01% | 1.40% | 5.50% | 5.49% |
| Q3 2024 | 24.02% | 1.56% | 2.47% | 9.14% | 5.72% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Ferris Branch | Ferris , TX | 75125 | $48.6M |
| Commercial State Bank (main office) | Palmer , TX | 75152 | $47.0M |
| Wilmer Branch | Wilmer , TX | 75172 | $18.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 358 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $250K approved, $250K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2017 (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 State Bank
What are Commercial State Bank's total assets?
As of the Q2 2026 filing, Commercial State Bank reported total assets of $126.6 million in its FFIEC call report.
Where is Commercial State Bank headquartered?
It is headquartered in Palmer, TX, United States.
When was Commercial State Bank founded?
It was established in 1930, per the FDIC institution directory.
Is Commercial State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10330). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Commercial State Bank?
Commercial State Bank's primary federal regulator is the FDIC.
What is Commercial State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 27.86% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Commercial State Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Commercial State Bank's Texas Ratio?
Its Texas Ratio is 24.78% 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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