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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 $0.4MQ3 2024Q2 2026
Deposit mix
91%Interest-bearing $45.2M9%Noninterest $4.7MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.58%, up 38 bps year over year; NIM at 2.70%.
  • 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.

Return on Assets (YTD, annualized)

1.58%+38 bps YoY

Net Interest Margin (YTD, annualized)

2.70%+41 bps YoY

Efficiency Ratio (YTD, annualized)

31.41%-515 bps YoY

Tier 1 Leverage Ratio

28.59%+27 bps YoY

NIM

4.60%Q2 ’244.71%Q2 ’254.50%Q2 ’26+24%+18%

Non-interest income vs. expense

0.97%Q2 ’240.85%Q2 ’250.85%Q2 ’26-14%+2%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.76%0.28%1.05%1.20%1.20%0.66%1.47%1.58%+38 bps
Return on Equity3.12%1.15%4.39%5.00%4.98%2.71%5.65%6.03%+103 bps
Net Interest Margin1.72%1.78%2.19%2.29%2.21%2.36%2.77%2.70%+41 bps
Efficiency Ratio49.85%80.65%41.38%36.55%34.97%66.96%35.55%31.41%-515 bps
Non-Interest Burden0.85%1.44%0.89%0.81%0.76%1.57%0.97%0.83%+2 bps
Growth
Asset Growth (YoY)7.10%4.43%4.93%3.59%4.84%-0.91%-0.80%-1.62%-521 bps
Loan Growth (YoY)-3.38%-0.15%24.32%15.18%27.02%12.15%1.84%-3.69%-1,887 bps
Deposit Growth (YoY)4.69%4.93%3.36%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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%-0.01%0.00%0.00%0.00%-0.01%-0.02%-0.02%-2 bps
Allowance / Loans1.33%1.23%1.29%1.18%1.06%1.10%1.29%1.25%+7 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio27.76%27.76%28.55%28.32%27.08%27.90%29.39%28.59%+27 bps
Total Risk-Based Capital36.11%27.76%28.55%28.32%27.08%27.90%37.63%28.59%+27 bps
Equity / Assets24.83%23.06%24.79%24.16%24.51%25.70%26.29%26.36%+220 bps
Liquidity & Funding
Loans / Deposits36.87%39.11%36.82%40.41%45.22%43.99%37.19%39.44%-97 bps
Liquid Assets / Assets5.92%5.56%4.40%3.24%2.82%2.31%1.70%1.96%-128 bps
CRE / Total Capitaln/an/an/an/a0.00%0.00%0.00%n/an/a