Commercial State Bank (Republican City, 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 Republican City, NE, established in 1903 (FDIC certificate 1986), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $75.5M, down 1.6% from Q2 2025, the 116th largest of 138 banks headquartered in Nebraska. It reports no CET1 ratio; its Tier 1 leverage ratio was 28.59% 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
- 1986
- Headquarters
- Republican City, NE
- Established
- 1903
- Total assets, Q2 2026
- $75.5M
- Assets vs Q2 2025
- -1.6%
- Tier 1 leverage ratio, Q2 2026
- 28.59%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 104108507
- Latest call report
- Q2 2026, FFIEC 051 · Commercial State Bank call report
- Holding company
- COMMERCIAL STATE HOLDING COMPANY, INC.
- Asset rank in state
- 116th of 138 in Nebraska
Commercial State Bank runs leaner than most banks of its size. It reported $76 million in assets at June 30, 2026, down 1.6% from a year earlier. It spends about 26 cents to bring in each dollar of revenue, about a third the median of 69 cents for the 583 banks with less than $100 million in assets. It also carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 1.4%).
Net income for the quarter rose 23% from a year earlier, to $315,000. Funding is the softer spot: it pays an average of 2.59% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.53%).
As of June 30, 2026, Commercial State Bank reported a return on assets of 1.65%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Commercial State Bank is the 116th largest of the 138 banks headquartered in Nebraska. From Q1 2026 to Q2 2026, its total assets rose 3.7% to $75.5M, loans rose 3.3% and deposits fell 2.6%. Its loan book on June 30, 2026 was led by farmland and other real estate loans, at 48.0% of total loans, followed by agricultural production loans at 43.5%. Its one office in the FDIC Summary of Deposits is in Republican City, NE. 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
- 20 Circle Dr, Republican City, NE 68971
- County
- Harlan
- 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
- January 1, 1903
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 4
- Domestic deposits
- $49.9M
- Allowance for credit losses
- $246K
- Net charge-offs (YTD)
- -$2K
- Average total assets
- $76.4M
- Average total loans
- $19.6M
- Average interest-bearing deposits
- $43.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1986
- Fed RSSD
- 924553
- Parent Holding Company
- COMMERCIAL STATE HOLDING COMPANY, INC. (RSSD 1065828)
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
Commercial State Bank's total assets moved between a low of $69.9M (Q1 2024) and a high of $79.2M (Q3 2025) from Q3 2023 to Q2 2026, and it earned a profit in 9 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$75.5M total assets against $76.7M; $55.6M total liabilities against $58.2M.
$19.4M net loans and leases against $20.2M; $49.9M total deposits against $50.6M.
$51.9M securities against $51.6M; $1.8M cash and balances due against $2.8M.
$857K total interest income against $898K; $333K total interest expense against $442K.
$524K net interest income against $456K.
$2K total noninterest income against $8K; $144K total noninterest expense against $150K.
No provision recorded in the last 12 quarters.
$315K net income against $256K.
1.65% return on assets against 1.37%; 3.06% net interest margin against 2.57%.
28.59% tier 1 leverage ratio against 28.32%.
Inside the full Commercial State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -1.13% (Q4 2024) to 1.65% (Q2 2026) and its net interest margin ran from 1.79% (Q3 2024) to 3.06% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 28.59% | 1.65% | 0.00% | 0.00% | 3.06% |
| Q1 2026 | 29.39% | 1.49% | 0.00% | 0.00% | 2.83% |
| Q4 2025 | 27.90% | -0.97% | 0.00% | 0.00% | 2.62% |
| Q3 2025 | 27.08% | 1.19% | 0.00% | 0.00% | 2.43% |
| Q2 2025 | 28.32% | 1.37% | 0.00% | 0.00% | 2.57% |
| Q1 2025 | 28.55% | 1.07% | 0.00% | 0.00% | 2.32% |
| Q4 2024 | 27.76% | -1.13% | 0.00% | 0.00% | 2.08% |
| Q3 2024 | 27.76% | 0.79% | 0.00% | 0.00% | 1.79% |
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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 State Bank (main office) | Republican City , NE | 68971 | $49.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in NE, rank 137 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 State Bank
What are Commercial State Bank's total assets?
As of the Q2 2026 filing, Commercial State Bank reported total assets of $75.5 million in its FFIEC call report.
Where is Commercial State Bank headquartered?
It is headquartered in Republican City, NE, United States.
When was Commercial State Bank founded?
It was established in 1903, per the FDIC institution directory.
Is Commercial State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1986). 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 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 State Bank's Texas Ratio?
Its Texas Ratio is 0.00% 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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