Is Commercial State Bank Safe?
Commercial State Bank has a Bank Health Score of 87/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while loan quality is its weakest area (57/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 24.19% | 100/100 |
| Nonperforming Loan Ratio | 2.16% | 57/100 |
| Liquidity Ratio | 58.00% | 100/100 |
| Return on Assets | 2.34% | 100/100 |
| Total Assets | $0.1B | |
How does Commercial State Bank compare?
With a Bank Health Score of 87/100, Commercial State Bank sits 17.0 points above the national average of 70/100 for FDIC-insured banks. Within Texas, where 321 FDIC-insured banks are headquartered, Commercial State Bank ranks above the state average of 74/100 (Grade B).
The bank's Tier 1 capital ratio of 24.19% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 2.16% is elevated, signaling stressed loans on the balance sheet.
What changed in the last year?
Over the last four quarters, Commercial State Bank's Bank Health Score improved by 3.0 points to 87/100. Tier 1 capital strengthened by 0.71 percentage points to 24.19%. Quarter-over-quarter, the score fell by 2.0 points.
Commercial State Bank has a Bank Health Score of 87/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while loan quality is its weakest area (57/100).