Commercial State Bank
Republican City, NE · Cert 1986 · Peer group: banks under $1B in assets in NE (n=83) · Commercial St Holding Co. Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
$75.5MAssets
$19.7MLoans
$49.9MDeposits
$19.9MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 100% of banks under $1B in assets in NE (rank 1 of 83).
- Widest gap: net interest margin trails 93% of banks under $1B in assets in NE (rank 77 of 83).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.55%
Rank 18 of 83
Net Interest Margin
2.70%
Rank 77 of 83
Efficiency Ratio
31.41%
Rank 1 of 83
Equity / Assets
26.36%
Rank 1 of 83
Non-interest income vs. expense
Unfavorable gap of $638K · efficiency ratio beats 100% of banks under $1B in assets in NE | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.55% | 0.93% | 1.20% | 1.51% | Beats 78% | 18 / 83 | | |
| Return on Equity | 5.90% | 8.04% | 10.34% | 13.11% | Beats 11% | 74 / 83 | | |
| Net Interest Margin | 2.70% | 3.25% | 3.62% | 4.02% | Beats 7% | 77 / 83 | | |
| Efficiency Ratio | 31.41% | 51.13% | 59.95% | 67.19% | Beats 100% | 1 / 83 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.19% | 0.96% | Beats 100% | 19 / 83 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.02% | Beats 100% | 33 / 83 | | |
| Capital |
| Tier 1 Capital Ratio | 28.59% | 10.94% | 13.24% | 16.62% | Beats 95% | 4 / 83 | | |
| Total Risk-Based Capital Ratio | 28.59% | 11.04% | 13.54% | 17.63% | Beats 95% | 4 / 83 | | |
| Equity / Assets | 26.36% | 9.90% | 11.31% | 13.84% | Beats 99% | 1 / 83 | | |
| Liquidity & Funding |
| Loans / Deposits | 39.44% | 71.97% | 83.15% | 92.22% | 4th pctl | 80 / 83 | | |
| Loans / Assets | 26.08% | 57.96% | 69.15% | 77.64% | 0th pctl | 83 / 83 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |