Headquartered in Nelson, Nebraska, Commercial Bank is a state-chartered bank with $56.5M in total assets and $47.0M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1894.
Commercial Bank has a TellerScore of 56 out of 100 (moderate) based on Q2 2026 data — higher than only 15% of its 546 banks with under $100 million in assets. Among 139 banks headquartered in Nebraska, it ranks 125th. Capital cushion contributes the most (100/100, 15.24%); loan quality contributes the least (0/100, 3.06%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 11 points (67 → 56), mostly because the loan quality component weakened by 65 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 68 |
| Q3 2024 | 67 |
| Q4 2024 | 67 |
| Q1 2025 | 64 |
| Q2 2025 | 67 |
| Q3 2025 | 70 |
| Q4 2025 | 63 |
| Q1 2026 | 62 |
| Q2 2026 | 56 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 13.46% |
| Q3 2024 | 13.41% |
| Q4 2024 | 13.69% |
| Q1 2025 | 13.76% |
| Q2 2025 | 14.09% |
| Q3 2025 | 14.26% |
| Q4 2025 | 14.62% |
| Q1 2026 | 14.26% |
| Q2 2026 | 15.24% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.29% |
| Q3 2024 | 1.24% |
| Q4 2024 | 1.26% |
| Q1 2025 | 1.09% |
| Q2 2025 | 1.05% |
| Q3 2025 | 0.98% |
| Q4 2025 | 2.02% |
| Q1 2026 | 2.23% |
| Q2 2026 | 3.06% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.14% |
| Q3 2024 | 1.04% |
| Q4 2024 | 0.97% |
| Q1 2025 | 0.25% |
| Q2 2025 | 0.53% |
| Q3 2025 | 0.79% |
| Q4 2025 | 1.07% |
| Q1 2026 | 1.04% |
| Q2 2026 | 1.05% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 56 | $56.5M | 15.24% | 3.06% | 1.05% | 82.1% |
| Q1 2026 | 62 | $57.4M | 14.26% | 2.23% | 1.04% | 73.8% |
| Q4 2025 | 63 | $60.3M | 14.62% | 2.02% | 1.07% | 80.8% |
| Q3 2025 | 70 | $57.9M | 14.26% | 0.98% | 0.79% | 80.1% |
| Q2 2025 | 67 | $58.0M | 14.09% | 1.05% | 0.53% | 74.1% |
| Q1 2025 | 64 | $59.3M | 13.76% | 1.09% | 0.25% | 69.6% |
| Q4 2024 | 67 | $61.1M | 13.69% | 1.26% | 0.97% | 72.5% |
| Q3 2024 | 67 | $62.8M | 13.41% | 1.24% | 1.04% | 79.7% |
| Q2 2024 | 68 | $62.1M | 13.46% | 1.29% | 1.14% | 69.9% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Nebraska
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Sidney Federal Savings and Loan AssociationBank Sidney, NE | 73 out of 100, Strong | $55.6M | 14.2% | 2.00% | vs |
| Generations BankBank Exeter, NE | 54 out of 100, Below average | $58.3M | 10.6% | 1.90% | vs |
| Bank of ClarksBank Clarks, NE | 37 out of 100, Low | $58.5M | 9.8% | 3.20% | vs |
| Tecumseh Federal BankBank Tecumseh, NE | 83 out of 100, Strong | $53.1M | 21.3% | 0.17% | vs |
| State Bank of ScotiaBank Scotia, NE | 59 out of 100, Moderate | $61.0M | 19.9% | 7.84% | vs |
| Cedar Security BankBank Fordyce, NE | 87 out of 100, Very strong | $62.1M | 18.0% | 0.96% | vs |
Deposit insurance
Is my money safe at Commercial Bank?
Yes. Commercial Bank is an FDIC-insured institution (FDIC certificate #12246). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 47.3% of deposits ($22.2M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 15.24%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 20.13% (benchmark: 10%).
1 location
Branches
Commercial Bank lists 1 office in 1 city. Most locations:
- Nelson, NE (1)
Identity & history
Profile
- Legal name
- Commercial Bank
- Type
- State-chartered bank
- FDIC certificate #
- 12246
- RSSD ID
- 42457
- Primary regulator
- FDIC
- Holding company
- C L C Enterprises Inc
- Established
- April 1, 1894
- Headquarters
- 401 S Main St, Nelson, NE 68961
- Website
- www.gotocb.net
- Employees
- 6
Quick answers
Commercial Bank: common questions
Is Commercial Bank FDIC insured?
Yes. Commercial Bank is an FDIC-insured institution (FDIC certificate #12246). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Commercial Bank's TellerScore?
56 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Commercial Bank ever failed?
There is no failure record for FDIC certificate #12246 in the FDIC failed bank list.
How many branches does Commercial Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Nelson
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| South Central State BankBank Campbell, NE | 96 out of 100, Very strong | $192.1M | 15.2% | 0.00% | vs |
| Horizon BankBank Waverly, NE | 87 out of 100, Very strong | $574.3M | 14.0% | 0.46% | vs |
| Home Federal Savings and Loan Association of Grand IslandBank Grand Island, NE | 80 out of 100, Strong | $562.9M | 13.4% | 0.19% | vs |
| Heartland BankBank Geneva, NE | 80 out of 100, Strong | $911.1M | 10.3% | 0.13% | vs |
| Farmers and Merchants BankBank Milford, NE | 78 out of 100, Strong | $1.1B | 10.6% | 0.00% | vs |
| Central National BankBank Junction City, KS | 78 out of 100, Strong | $1.4B | 11.0% | 0.01% | vs |