Commercial State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Deposits to assets dropped 4.27 percentage points in Q2 2026, from 70.39% to 66.12%. It was the largest change from Q1 2026 among the key lines here. Within Nebraska, Commercial State Bank is 45th of 138 on return on assets, 1.65% as of Q2 2026, above the middle of the field. Commercial State Bank's return on assets of 1.65% is well above the 0.98% median for banks in the < $100M asset tier, a gap of 0.67 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 28.59% |
| Equity capital to assets | 26.36% |
| Tangible equity to tangible assets | 26.36% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | -0.02% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.25% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.65% |
| Return on equity | 6.45% |
| Net interest margin | 3.06% |
| Efficiency ratio | 26.01% |
| Yield on earning assets | 4.91% |
| Cost of funds | 2.59% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 39.44% |
| Core deposits to total deposits | 90.04% |
| Brokered deposits to total deposits | 1.00% |
| Deposits to assets | 66.12% |
| Securities to assets | 68.72% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 35.50% | 35.50% | 35.93% | 30.18% | 1.19% |
| Q4 2023 | — | — | — | 29.31% | -1.08% |
| Q1 2024 | 36.52% | 36.52% | 36.94% | 29.38% | 0.72% |
| Q2 2024 | — | — | — | 29.50% | 0.79% |
| Q3 2024 | 35.71% | 35.71% | 36.11% | 27.76% | 0.79% |
| Q4 2024 | — | — | — | 27.76% | -1.13% |
| Q1 2025 | — | — | — | 28.55% | 1.07% |
| Q2 2025 | — | — | — | 28.32% | 1.37% |
| Q3 2025 | — | — | — | 27.08% | 1.19% |
| Q4 2025 | — | — | — | 27.90% | -0.97% |
| Q1 2026 | 37.21% | 37.21% | 37.63% | 29.39% | 1.49% |
| Q2 2026 | — | — | — | 28.59% | 1.65% |
Commercial State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Commercial State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Commercial State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1986) · FFIEC NIC profile (RSSD 924553)