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Commercial State Bank

Republican City, NE · Cert 1986 · Commercial St Holding Co. Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$75.5MAssets
$19.7MLoans
$49.9MDeposits
$19.9MEquity
Loan mix
85%RE $9.3M11%C&I $1.2M4%Consumer $0.4MQ2 2025Q2 2026
Deposit mix
91%Interest-bearing $45.2M9%Noninterest $4.7MQ2 2025Q2 2026

NIM

4.65%Q2 ’244.80%Q2 ’254.49%Q2 ’26+26%+13%

Non-interest income vs. expense

1.03%Q2 ’240.80%Q2 ’250.75%Q2 ’26-24%-2%

Executive Summary

  • Earnings: ROA of 1.70%, up 34 bps year over year; NIM at 2.74%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.02%.
  • Capital: tier 1 leverage ratio of 28.59%, up 27 bps from a year ago.
  • Funding: loans stand at 39.44% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.70%+34 bps YoY

Net Interest Margin (quarter, annualized)

2.74%+31 bps YoY

Efficiency Ratio (quarter, annualized)

27.38%-495 bps YoY

Tier 1 Leverage Ratio

28.59%+27 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.36%1.21%-0.95%1.47%1.70%+34 bps
Return on Equity5.57%4.97%-3.80%5.65%6.45%+88 bps
Net Interest Margin2.44%2.30%2.54%2.77%2.74%+31 bps
Efficiency Ratio32.33%31.95%154.32%35.55%27.38%-495 bps
Non-Interest Burden0.76%0.73%3.92%0.97%0.74%-2 bps
Growth
Asset Growth (YoY)3.59%4.84%-0.91%-0.80%-1.62%-521 bps
Loan Growth (YoY)15.18%27.02%12.15%1.84%-3.69%-1,887 bps
Deposit Growth (YoY)4.72%3.56%-0.29%0.83%-1.33%-605 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%-0.05%-0.02%-0.02%-2 bps
Allowance / Loans1.18%1.06%1.10%1.29%1.25%+7 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio28.32%27.08%27.90%29.39%28.59%+27 bps
Total Risk-Based Capital28.32%27.08%27.90%37.63%28.59%+27 bps
Equity / Assets24.16%24.51%25.70%26.29%26.36%+220 bps
Liquidity & Funding
Loans / Deposits40.41%45.22%43.99%37.19%39.44%-97 bps
Liquid Assets / Assets3.24%2.82%2.31%1.70%1.96%-128 bps
CRE / Total Capitaln/a0.00%0.00%0.00%n/an/a