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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Nelson, NE · FDIC certificate #12246
COMMERCIAL BANK is an FDIC-insured institution based in Nelson, NE (FDIC certificate #12246). In its Q3 2026 Call Report it reported total assets of $58M, total deposits of $48M and net loans of $41M. 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 $58M in Q3 2026 and were lowest at $56M in Q2 2026.
Total deposits were highest at $50M in Q1 2026 and lowest at $47M in Q2 2026.
Over the whole period total assets rose 1.7%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $58M | $48M | $41M | 0.58% | 4.41% | 4.36% |
| Q2 2026 | $56M | $47M | $39M | 1.05% | 7.84% | 4.37% |
| Q1 2026 | $57M | $50M | $37M | 1.04% | 7.94% | 4.33% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $958K | $1.4M | -$462K | -32.5% |
| Federal funds sold | $172K | $2.7M | -$2.5M | -93.5% |
| 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) | $15.6M | $15.4M | +$194K | +1.3% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $38.6M | $36.7M | +$1.9M | +5.2% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $60K | $67K | -$7K | -10.4% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| 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 | $1.1M | $1.2M | -$85K | -6.9% |
| Total assets | $56.5M | $57.4M | -$954K | -1.7% |
| Liabilities | ||||
| Total deposits | $47.0M | $49.7M | -$2.7M | -5.4% |
| 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 | $1.5M | $0K | +$1.5M | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $139K | $85K | +$54K | +63.5% |
| Total liabilities | $48.6M | $49.7M | -$1.1M | -2.2% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $500K | $500K | $0K | 0.0% |
| Surplus | $5.5M | $5.5M | $0K | 0.0% |
| Retained earnings | $2.8M | $2.6M | +$151K | +5.7% |
| Accumulated other comprehensive income | -$950K | -$958K | +$8K | +0.8% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $7.8M | $7.7M | +$159K | +2.1% |
| Credit and capital | ||||
| Gross nonperforming assets | $1.2M | $829K | +$368K | +44.4% |
| Adjusted nonperforming assets | $1.2M | $829K | +$368K | +44.4% |
| Tangible equity plus allowance | $8.4M | $8.2M | +$157K | +1.9% |
| Texas ratio (gross) | 14.33% | 10.11% | +4.22 pts | See points |
| Texas ratio (adjusted) | 14.33% | 10.11% | +4.22 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 14.33% | 10.11% | +4.22 pts | See points |
| Tier 1 capital to risk-weighted assets | 19.01% | 18.35% | +0.66 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 19.01% | 18.35% | +0.66 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.12% | 1.10% | +0.02 pts | See points |
| Total risk-based capital to risk-weighted assets | 20.13% | 19.45% | +0.67 pts | See points |
| Tier 1 leverage (approximate) | 15.24% | 14.26% | +0.98 pts | See points |
| Construction and land loans to total capital | 8.42% | 0.00% | +8.42 pts | See points |
| Commercial real estate to total capital | 42.65% | 22.70% | +19.95 pts | See points |
| Dividend payout, year to date | 65.79% | 130.72% | -64.93 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -22.19% | -22.98% | +0.78 pts | See points |
| Liquidity | ||||
| Core deposits | $37.9M | $42.1M | -$4.2M | -9.9% |
| Non-core funding | $10.6M | $7.6M | +$3.0M | +39.6% |
| Loans to core deposits | 103.12% | 88.39% | +14.73 pts | See points |
| Loans to deposits | 83.15% | 74.88% | +8.28 pts | See points |
| Brokered deposits share of deposits | 24.47% | 27.33% | -2.85 pts | See points |
| Pledged securities share of securities | 76.04% | 77.68% | -1.65 pts | See points |
| Loans pledged, share of loans | 0.00% | 0.00% | 0.00 pts | See points |
| Volatile liabilities | $10.6M | $7.6M | +$3.0M | +39.6% |
| Earnings | ||||
| Earnings before provision, year to date | $412K | $201K | +$211K | +105.0% |
| Earnings before provision, single quarter | $211K | $201K | +$10K | +5.0% |
| Provision for credit losses, year to date | $96K | $48K | +$48K | +100.0% |
| Yield and cost | ||||
| Yield on loans and leases | 7.22% | 7.40% | -0.18 pts | See points |
| Yield on interest-bearing balances due from banks | 14.41% | 14.30% | +0.11 pts | See points |
| Total interest income to average assets | 5.78% | 5.73% | +0.05 pts | See points |
| Cost of interest-bearing transaction accounts | 0.23% | 0.22% | +0.01 pts | See points |
| Cost of savings and money market deposits | 2.76% | 2.98% | -0.22 pts | See points |
| Cost of time deposits | 3.08% | 2.94% | +0.14 pts | See points |
| Total interest expense to average assets | 1.53% | 1.64% | -0.11 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 | $58M | $48M | $41M | 0.58% | 4.41% | 4.36% |
| 2026-06-30 | $56M | $47M | $39M | 1.05% | 7.84% | 4.37% |
| 2026-03-31 | $57M | $50M | $37M | 1.04% | 7.94% | 4.33% |
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 |
|---|---|---|---|---|
| NE | $50.5M | 0.05% | 138 | Continuing · -0.01 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.