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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Parsons, KS · FDIC certificate #11777
COMMERCIAL BANK is an FDIC-insured institution based in Parsons, KS (FDIC certificate #11777). In its Q3 2026 Call Report it reported total assets of $369M, total deposits of $337M and net loans of $177M. Its primary federal regulator is FDIC.
Plain-language readout
COMMERCIAL BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $384M in Q1 2026 and were lowest at $369M in Q3 2026.
Total deposits were highest at $354M in Q2 2026 and lowest at $337M in Q3 2026.
Over the whole period total assets fell 3.9%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $369M | $337M | $177M | 1.14% | 15.94% | 3.55% |
| Q2 2026 | $382M | $354M | $173M | 0.82% | 11.00% | 3.49% |
| Q1 2026 | $384M | $353M | $174M | 0.94% | 11.96% | 3.32% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $15.6M | $24.6M | -$8.9M | -36.4% |
| Federal funds sold | $0K | $37K | -$37K | -100.0% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $179.7M | $168.3M | +$11.4M | +6.8% |
| Equity securities with readily determinable fair values, not held for trading | $3.8M | $4.1M | -$302K | -7.4% |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $172.7M | $174.2M | -$1.5M | -0.9% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $2.8M | $2.8M | -$41K | -1.5% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $425K | $377K | +$48K | +12.7% |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $7.2M | $9.3M | -$2.1M | -23.0% |
| Total assets | $382.2M | $383.7M | -$1.5M | -0.4% |
| Liabilities | ||||
| Total deposits | $354.2M | $353.3M | +$861K | +0.2% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $2.1M | $2.1M | -$3K | -0.1% |
| Total liabilities | $356.3M | $355.4M | +$858K | +0.2% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $1.5M | $1.5M | $0K | 0.0% |
| Surplus | $2.0M | $2.0M | $0K | 0.0% |
| Retained earnings | $29.7M | $32.0M | -$2.3M | -7.2% |
| Accumulated other comprehensive income | -$7.3M | -$7.3M | -$17K | -0.2% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $25.9M | $28.2M | -$2.3M | -8.3% |
| Credit and capital | ||||
| Gross nonperforming assets | $1.3M | $1.3M | +$3K | +0.2% |
| Adjusted nonperforming assets | $679K | $672K | +$7K | +1.0% |
| Tangible equity plus allowance | $28.2M | $30.5M | -$2.3M | -7.6% |
| Texas ratio (gross) | 4.45% | 4.11% | +0.35 pts | See points |
| Texas ratio (adjusted) | 2.41% | 2.20% | +0.20 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 2.41% | 2.20% | +0.20 pts | See points |
| Tier 1 capital to risk-weighted assets | 16.24% | 16.38% | -0.14 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 16.24% | 16.38% | -0.14 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.21% | 1.15% | +0.06 pts | See points |
| Total risk-based capital to risk-weighted assets | 17.45% | 17.53% | -0.08 pts | See points |
| Tier 1 leverage (approximate) | 8.33% | 9.20% | -0.87 pts | See points |
| Construction and land loans to total capital | 10.29% | 13.41% | -3.11 pts | See points |
| Commercial real estate to total capital | 42.24% | 43.73% | -1.49 pts | See points |
| Dividend payout, year to date | 382.17% | 335.95% | +46.22 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -22.96% | -21.41% | -1.55 pts | See points |
| Liquidity | ||||
| Core deposits | $321.7M | $315.6M | +$6.1M | +1.9% |
| Non-core funding | $32.5M | $37.8M | -$5.3M | -14.0% |
| Loans to core deposits | 54.40% | 55.93% | -1.53 pts | See points |
| Loans to deposits | 49.41% | 49.95% | -0.54 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 69.10% | 70.88% | -1.78 pts | See points |
| Loans pledged, share of loans | 52.62% | 55.95% | -3.33 pts | See points |
| Volatile liabilities | $32.5M | $37.8M | -$5.3M | -14.0% |
| Earnings | ||||
| Earnings before provision, year to date | $2.3M | $1.3M | +$996K | +79.2% |
| Earnings before provision, single quarter | $996K | $1.3M | -$262K | -20.8% |
| Provision for credit losses, year to date | $142K | $153K | -$11K | -7.2% |
| Yield and cost | ||||
| Yield on loans and leases | 6.19% | 6.22% | -0.04 pts | See points |
| Yield on interest-bearing balances due from banks | 3.75% | 3.00% | +0.75 pts | See points |
| Total interest income to average assets | 4.39% | 4.22% | +0.18 pts | See points |
| Cost of interest-bearing transaction accounts | 0.18% | 0.19% | -0.01 pts | See points |
| Cost of savings and money market deposits | 0.72% | 0.69% | +0.03 pts | See points |
| Cost of time deposits | 3.19% | 3.28% | -0.10 pts | See points |
| Total interest expense to average assets | 1.04% | 1.08% | -0.04 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $369M | $337M | $177M | 1.14% | 15.94% | 3.55% |
| 2026-06-30 | $382M | $354M | $173M | 0.82% | 11.00% | 3.49% |
| 2026-03-31 | $384M | $353M | $174M | 0.94% | 11.96% | 3.32% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| KS | $339.4M | 0.33% | 68 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.