Commercial State Bank
Palmer, Texas · FDIC Cert #10330
Commercial State Bank is an FDIC-insured bank (Certificate #10330) with $113M in total assets and $102M in total deposits as of the Q2 2024 Call Report. Headquartered in Palmer, Texas, the bank maintains a Tier 1 capital ratio of 24.19% (Well-Capitalized) and a nonperforming loan ratio of 2.16%. BankHealthData assigns a composite Health Grade of A (87/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Commercial State Bank (FDIC cert 10330) is a community bank — $113M in total assets, $102M in deposits, serving the Palmer, Texas area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 24.19% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is elevated: non-performing loan ratio of 2.16% runs above 2%, suggesting the loan book carries more credit risk than peer banks. Elevated NPL can reflect specific portfolio concentrations or broader credit-cycle pressure. Liquidity is very high: 58.0% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is strong: return on assets of 2.34% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is improving: the bank's composite score is up materially over the most recent quarters in the dataset. Improving trends usually reflect either capital strengthening, asset-quality recovery, or sustained profitability gains. Commercial State Bank carries a composite BankHealth grade of A (87/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Commercial State Bank
- Total Assets
- $113M
- Total Deposits
- $102M
- Tier 1 Capital Ratio
- 24.19%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 2.16%
- Liquidity Ratio
- 58.00%
- Return on Assets
- 2.34%
- Headquarters
- Palmer, Texas
- FDIC Certificate
- #10330
- Health Grade
- A (87/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Commercial State Bank holds a Tier 1 capital ratio of 24.19%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Commercial State Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Commercial State Bank shows strong financial health indicators. With $113M in assets and a Health Score of 87/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Commercial State Bank Compares
Commercial State Bank’s Health Score of 87 is 13 points above the Texas state average of 74 across 321 FDIC-insured banks. Its 24.19% Tier 1 capital ratio is 10.2 points above the US banking industry average near 14%. The 2.16% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 2.34% is in line with or above the national ROA benchmark of ~1.1%. Among 1174 similarly-sized banks, the average Health Score is 68, meaning this bank ranks above its size cohort. Site-wide, Commercial State Bank is 17 points above the portfolio average of 70.
Frequently Asked Questions
Commercial State Bank has a Bank Health Score of A (87/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 24.19%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Commercial State Bank's Tier 1 capital ratio of 24.19% and nonperforming loan ratio of 2.16% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Commercial State Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #10330). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Commercial State Bank holds $113M in total assets and $102M in total deposits. It is headquartered in Palmer, Texas (FDIC Certificate #10330).
Commercial State Bank has a Tier 1 capital ratio of 24.19%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 2.16%, and the return on assets is 2.34%.
Yes. Commercial State Bank is FDIC-insured (Certificate #10330). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Commercial State Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.