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Commercial State Bank
Wausa, NE · FDIC Certificate #13819 · Chartered 12/0
Total assets
$264.42M
Total deposits
$237.31M
Total equity
$24.95M
Net loans
$216.44M
Branches (offices)
3
Net income (YTD)
$2.34M
Rank: #2,643 of 4,213 U.S. banks by assets · #66 of 138 in Nebraska. Assets changed 9.7% and deposits 9.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.83% |
| Return on equity | 19.07% |
| Net interest margin (YTD) | 3.96% |
| Equity to assets | 9.44% |
| Tier 1 leverage ratio | 9.64% |
| Uninsured deposits (share of deposits) | 19.4% |
| Noncurrent loans (share of loans) | 0.12% |
| Net charge-offs (share of loans) | 0.12% |
| Loans to deposits | 91.2% |
| Real estate loans (share of loans) | 62.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $134.20M | 62.0% | |
| Commercial & industrial | $42.03M | 19.4% | |
| Consumer / individual | $8.31M | 3.8% | |
| Construction & development | $12.60M | 5.8% | |
| Agricultural | $34.21M | 15.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $178.00M | $159.18M | $1.39M | $16.52M |
| Jun 2023 | $215.78M | $192.22M | $1.14M | $17.85M |
| Jun 2024 | $228.23M | $202.44M | $1.45M | $19.69M |
| Jun 2025 | $241.05M | $216.82M | $1.95M | $22.21M |
| Jun 2026 | $264.42M | $237.31M | $2.34M | $24.95M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Nebraska | $237.31M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $237.31M.
Similar-sized banks
Summit Bank ($264.44M) · Greenville Federal ($263.89M)
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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