Commercial State Bank (Wausa, NE)
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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 Wausa, NE, established in 1925 (FDIC certificate 13819), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $264.4M, up 9.7% from Q2 2025, the 66th largest of 138 banks headquartered in Nebraska. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.64% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 13819
- Headquarters
- Wausa, NE
- Established
- 1925
- Total assets, Q2 2026
- $264.4M
- Assets vs Q2 2025
- +9.7%
- Tier 1 leverage ratio, Q2 2026
- 9.64%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 104103900
- Latest call report
- Q2 2026, FFIEC 051 · Commercial State Bank call report
- Holding company
- WAUSA BANSHARES, INC.
- Asset rank in state
- 66th of 138 in Nebraska
Commercial State Bank pays more for its money than most banks of its size. Its balance sheet stood at $264 million at June 30, 2026, up 9.7% from a year earlier; it is based in Wausa, Nebraska. It pays an average of 2.85% on its deposits and borrowings, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). On the other hand, it returns 20.3% a year on shareholders' equity, higher than about three-quarters of banks its size (median 12.5%).
Net income for the quarter rose 20% from a year earlier, to $1.3 million. Concentration is the risk to watch: it holds commercial real estate loans worth 2.1 times its capital, higher than about three-quarters of banks its size (median 1.2 times).
As of June 30, 2026, Commercial State Bank reported a return on assets of 1.92%, a nonperforming-loan ratio of 0.12% and a Texas ratio of 0.95%. The figures come from its call report filed with the FFIEC.
Of the 138 banks headquartered in Nebraska, Commercial State Bank is the 66th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 4.1% to $264.4M, loans rose 2.2% and deposits rose 4.4%. Non-owner-occupied commercial real estate loans made up 20.5% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 19.2%. The FDIC Summary of Deposits lists 3 offices for it, in Wausa, NE, Nebraska City, NE and Elkhorn, NE; its Wausa office books 36% of its branch deposits. By the capital ratios in its Q2 2026 call report, Commercial State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 519 E Broadway St, Wausa, NE 68786
- County
- Knox
- 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
- December 1, 1925
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 25
- Domestic deposits
- $237.3M
- Allowance for credit losses
- $2.4M
- Net charge-offs (YTD)
- $134K
- Average total assets
- $261.7M
- Average total loans
- $212.4M
- Average interest-bearing deposits
- $207.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 13819
- Fed RSSD
- 479754
- Website
- wausabank.com →
- Parent Holding Company
- WAUSA BANSHARES, INC. (RSSD 1051698)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Commercial State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Commercial State Bank's total assets ranged from $214.9M (Q3 2023) to $264.4M (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
$264.4M total assets against $241.0M; $239.5M total liabilities against $218.8M.
$216.4M net loans and leases against $202.0M; $237.3M total deposits against $216.8M.
$23.9M securities against $20.8M; $14.1M cash and balances due against $9.0M.
$4.1M total interest income against $3.7M; $1.7M total interest expense against $1.6M.
$2.5M net interest income against $2.1M.
$212K total noninterest income against $197K; $1.3M total noninterest expense against $1.2M.
$90K provision for credit losses against $75K.
$1.3M net income against $1.0M.
1.92% return on assets against 1.75%; 3.86% net interest margin against 3.75%.
9.64% tier 1 leverage ratio against 9.45%.
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.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Commercial State Bank rankings
Its closest position to the top of a national ranking is 575 of 3,611, for ROA; its furthest is 2,704 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.37% (Q3 2024) to 1.92% (Q2 2026) and its net interest margin ran from 3.21% (Q3 2024) to 3.88% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.64% | 1.92% | 0.12% | 0.95% | 3.86% |
| Q1 2026 | 9.82% | 1.70% | 0.19% | 1.47% | 3.88% |
| Q4 2025 | 9.60% | 1.69% | 0.15% | 1.22% | 3.82% |
| Q3 2025 | 9.40% | 1.69% | 0.16% | 1.33% | 3.76% |
| Q2 2025 | 9.45% | 1.75% | 0.20% | 1.71% | 3.75% |
| Q1 2025 | 9.48% | 1.54% | 0.20% | 1.63% | 3.46% |
| Q4 2024 | 9.11% | 1.51% | 0.22% | 1.82% | 3.27% |
| Q3 2024 | 8.90% | 1.37% | 0.21% | 1.86% | 3.21% |
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 |
|---|---|---|---|
| Commercial State Bank (main office) | Wausa , NE | 68786 | $85.8M |
| Nebraska City Branch | Nebraska City , NE | 68410 | $82.6M |
| Commercial State Bank (main office) | Elkhorn , NE | 68022 | $68.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in NE, rank 71 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 47 applications, 46 loans originated, $9.8M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $770K approved, $385K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 $264.4 million in its FFIEC call report.
Where is Commercial State Bank headquartered?
It is headquartered in Wausa, NE, United States.
When was Commercial State Bank founded?
It was established in 1925, per the FDIC institution directory.
Is Commercial State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #13819). 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.
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 0.95% 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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