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Commercial State Bank
Palmer, TX · FDIC Certificate #10330 · Chartered 03/0
Total assets
$126.58M
Total deposits
$114.29M
Total equity
$11.85M
Net loans
$40.01M
Branches (offices)
3
Net income (YTD)
$964.00K
Rank: #3,478 of 4,213 U.S. banks by assets · #296 of 346 in Texas. Assets changed 7.8% and deposits 7.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.57% |
| Return on equity | 15.90% |
| Net interest margin (YTD) | 4.57% |
| Equity to assets | 9.36% |
| Tier 1 leverage ratio | 10.92% |
| Uninsured deposits (share of deposits) | 46.8% |
| Noncurrent loans (share of loans) | 5.44% |
| Net charge-offs (share of loans) | 0.42% |
| Loans to deposits | 35.0% |
| Real estate loans (share of loans) | 65.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $26.35M | 65.9% | |
| Commercial & industrial | $6.97M | 17.4% | |
| Consumer / individual | $2.52M | 6.3% | |
| Construction & development | $1.56M | 3.9% | |
| Agricultural | $3.35M | 8.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $112.73M | $105.67M | $422.00K | $6.38M |
| Jun 2023 | $104.35M | $96.08M | $729.00K | $7.62M |
| Jun 2024 | $112.77M | $102.50M | $1.30M | $9.75M |
| Jun 2025 | $117.39M | $105.91M | $1.15M | $10.87M |
| Jun 2026 | $126.58M | $114.29M | $964.00K | $11.85M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $114.29M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $114.29M.
Similar-sized banks
Spectra Bank ($126.67M) · Rocky Mountain Bank & Trust ($126.52M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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