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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Republican City, NE · FDIC certificate #1986
COMMERCIAL STATE BANK is an FDIC-insured institution based in Republican City, NE (FDIC certificate #1986). In its Q3 2026 Call Report it reported total assets of $75M, total deposits of $50M and net loans of $20M. Its primary federal regulator is FDIC.
Plain-language readout
COMMERCIAL STATE BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $76M in Q2 2026 and were lowest at $73M in Q1 2026.
Total deposits were highest at $51M in Q1 2026 and lowest at $50M in Q2 2026.
Over the whole period total assets rose 3.0%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $75M | $50M | $20M | 1.56% | 6.04% | 2.90% |
| Q2 2026 | $76M | $50M | $19M | 1.58% | 6.03% | 2.87% |
| Q1 2026 | $73M | $51M | $19M | 1.47% | 5.65% | 2.85% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $1.8M | $2.4M | -$619K | -25.6% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| 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) | $51.9M | $49.5M | +$2.4M | +4.9% |
| 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) | $19.4M | $18.8M | +$632K | +3.4% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $74K | $74K | $0K | 0.0% |
| 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 | $2.3M | $2.0M | +$252K | +12.3% |
| Total assets | $75.5M | $72.8M | +$2.7M | +3.7% |
| Liabilities | ||||
| Total deposits | $49.9M | $51.2M | -$1.3M | -2.6% |
| Federal funds purchased | $1.2M | $1.2M | +$12K | +1.0% |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $4.0M | $750K | +$3.3M | +433.3% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $460K | $467K | -$7K | -1.5% |
| Total liabilities | $55.6M | $53.7M | +$1.9M | +3.6% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $50K | $50K | $0K | 0.0% |
| Surplus | $2.7M | $2.7M | $0K | 0.0% |
| Retained earnings | $19.1M | $18.8M | +$316K | +1.7% |
| Accumulated other comprehensive income | -$1.9M | -$2.4M | +$452K | +18.9% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $19.9M | $19.1M | +$768K | +4.0% |
| Credit and capital | ||||
| Gross nonperforming assets | $0K | $0K | $0K | n/a |
| Adjusted nonperforming assets | $0K | $0K | $0K | n/a |
| Tangible equity plus allowance | $20.2M | $19.4M | +$769K | +4.0% |
| Texas ratio (gross) | 0.00% | 0.00% | 0.00 pts | See points |
| Texas ratio (adjusted) | 0.00% | 0.00% | 0.00 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.00% | 0.00% | 0.00 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | 37.21% | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | 37.21% | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | 0.42% | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | 37.63% | Not reported | See points |
| Tier 1 leverage (approximate) | 28.59% | 29.39% | -0.81 pts | See points |
| Construction and land loans to total capital | 0.00% | 0.00% | 0.00 pts | See points |
| Commercial real estate to total capital | 0.00% | 0.00% | 0.00 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -13.47% | -14.08% | +0.61 pts | See points |
| Liquidity | ||||
| Core deposits | $45.0M | $46.3M | -$1.3M | -2.9% |
| Non-core funding | $10.2M | $6.9M | +$3.3M | +47.7% |
| Loans to core deposits | 43.81% | 41.17% | +2.64 pts | See points |
| Loans to deposits | 39.45% | 37.19% | +2.25 pts | See points |
| Brokered deposits share of deposits | 1.00% | 0.97% | +0.03 pts | See points |
| Pledged securities share of securities | 8.42% | 18.89% | -10.47 pts | See points |
| Loans pledged, share of loans | 0.00% | 0.00% | 0.00 pts | See points |
| Volatile liabilities | $10.2M | $6.9M | +$3.3M | +47.7% |
| Earnings | ||||
| Earnings before provision, year to date | $712K | $330K | +$382K | +115.8% |
| Earnings before provision, single quarter | $382K | $330K | +$52K | +15.8% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 6.42% | 6.70% | -0.27 pts | See points |
| Yield on interest-bearing balances due from banks | 4.11% | 4.30% | -0.18 pts | See points |
| Total interest income to average assets | 4.49% | 4.70% | -0.22 pts | See points |
| Cost of interest-bearing transaction accounts | 0.44% | 0.46% | -0.02 pts | See points |
| Cost of savings and money market deposits | 1.99% | 1.87% | +0.11 pts | See points |
| Cost of time deposits | 3.53% | 3.59% | -0.06 pts | See points |
| Total interest expense to average assets | 1.74% | 1.93% | -0.19 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 | $75M | $50M | $20M | 1.56% | 6.04% | 2.90% |
| 2026-06-30 | $76M | $50M | $19M | 1.58% | 6.03% | 2.87% |
| 2026-03-31 | $73M | $51M | $19M | 1.47% | 5.65% | 2.85% |
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 | $50.6M | 0.05% | 136 | 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.