COMMERCIAL STATE BANK
PALMER, TEXAS · FDIC Cert #10330
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.
Frequently Asked Questions
COMMERCIAL STATE BANK has a Bank Health Score of A (87/100). 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.
COMMERCIAL STATE BANK holds $113M in total assets and $102M in total deposits. It is located in PALMER, TEXAS (FDIC Certificate #10330).
COMMERCIAL STATE BANK has a Tier 1 capital ratio of 24.19%, classifying it as "Well-Capitalized." The 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. Even if a bank fails, insured depositors typically regain access to funds within two business days.