Headquartered in Palmer, Texas, Commercial State Bank is a state-chartered bank with $126.6M in total assets and $114.3M in deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1930.
Commercial State Bank has a TellerScore of 49 out of 100 (below average) based on Q2 2026 data — higher than only 6% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 333rd. Earnings contributes the most (83/100, 1.57%); loan quality contributes the least (0/100, 5.44%).
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
The score has been essentially flat from Q2 2025 to Q2 2026 (50 → 49).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 65 |
| Q3 2024 | 63 |
| Q4 2024 | 71 |
| Q1 2025 | 54 |
| Q2 2025 | 50 |
| Q3 2025 | 51 |
| Q4 2025 | 49 |
| Q1 2026 | 49 |
| Q2 2026 | 49 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.98% |
| Q3 2024 | 11.23% |
| Q4 2024 | 11.21% |
| Q1 2025 | 11.29% |
| Q2 2025 | 10.76% |
| Q3 2025 | 10.74% |
| Q4 2025 | 10.49% |
| Q1 2026 | 10.89% |
| Q2 2026 | 10.92% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 2.16% |
| Q3 2024 | 2.47% |
| Q4 2024 | 1.40% |
| Q1 2025 | 3.25% |
| Q2 2025 | 9.15% |
| Q3 2025 | 6.81% |
| Q4 2025 | 5.18% |
| Q1 2026 | 5.59% |
| Q2 2026 | 5.44% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.34% |
| Q3 2024 | 2.08% |
| Q4 2024 | 1.82% |
| Q1 2025 | 1.86% |
| Q2 2025 | 2.02% |
| Q3 2025 | 2.05% |
| Q4 2025 | 1.59% |
| Q1 2026 | 1.53% |
| Q2 2026 | 1.57% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 49 | $126.6M | 10.92% | 5.44% | 1.57% | 35.0% |
| Q1 2026 | 49 | $121.3M | 10.89% | 5.59% | 1.53% | 39.0% |
| Q4 2025 | 49 | $120.4M | 10.49% | 5.18% | 1.59% | 39.8% |
| Q3 2025 | 51 | $126.3M | 10.74% | 6.81% | 2.05% | 38.1% |
| Q2 2025 | 50 | $117.4M | 10.76% | 9.15% | 2.02% | 40.4% |
| Q1 2025 | 54 | $116.3M | 11.29% | 3.25% | 1.86% | 41.4% |
| Q4 2024 | 71 | $106.7M | 11.21% | 1.40% | 1.82% | 43.5% |
| Q3 2024 | 63 | $111.4M | 11.23% | 2.47% | 2.08% | 42.2% |
| Q2 2024 | 65 | $112.8M | 10.98% | 2.16% | 2.34% | 40.5% |
2,650 peers · $100 million – $1 billion
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 Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Spectra BankBank Fort Worth, TX | 59 out of 100, Moderate | $126.7M | 7.9% | 0.00% | vs |
| Dalhart Federal Savings & Loan Association, SSBBank Dalhart, TX | 69 out of 100, Moderate | $126.3M | 11.4% | 0.16% | vs |
| Stockmens National Bank in CotullaBank Cotulla, TX | 79 out of 100, Strong | $124.1M | 10.6% | 0.00% | vs |
| The First State BankBank Abernathy, TX | 68 out of 100, Moderate | $121.4M | 13.5% | 2.13% | vs |
| Lone Oak Bank, National AssociationBank Eldorado, TX | 67 out of 100, Moderate | $119.6M | 15.3% | 3.08% | vs |
| The First National Bank of AspermontBank Aspermont, TX | 70 out of 100, Strong | $133.9M | 9.1% | 0.29% | vs |
Deposit insurance
Is my money safe at Commercial State Bank?
Yes. Commercial State Bank is an FDIC-insured institution (FDIC certificate #10330). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 46.8% of deposits ($53.5M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.92%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 29.11% (benchmark: 10%).
3 locations
Branches
Commercial State Bank lists 3 offices in 3 cities. Most locations:
- Ferris, TX (1)
- Palmer, TX (1)
- Wilmer, TX (1)
Identity & history
Profile
- Legal name
- Commercial State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 10330
- RSSD ID
- 1017564
- Primary regulator
- FDIC
- Holding company
- Palmer Bancshares Inc
- Established
- March 1, 1930
- Headquarters
- 8045 N Interstate 45 Service Rd, Palmer, TX 75152
- Website
- www.csbpalmer.com
- Employees
- 25
Quick answers
Commercial State Bank: common questions
Is Commercial State Bank FDIC insured?
Yes. Commercial State Bank is an FDIC-insured institution (FDIC certificate #10330). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Commercial State Bank's TellerScore?
49 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Commercial State Bank ever failed?
There is no failure record for FDIC certificate #10330 in the FDIC failed bank list.
How many branches does Commercial State Bank have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Palmer
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Ellis County Teachers and Employees Federal Credit UnionCredit union Waxahachie, TX | 97 out of 100, Very strong | $18.5M | 20.1% | 0.00% | vs |
| Centex Citizens Credit UnionCredit union Mexia, TX | 89 out of 100, Very strong | $118.9M | 17.2% | 0.44% | vs |
| Seagoville Federal Credit UnionCredit union Seagoville, TX | 89 out of 100, Very strong | $15.8M | 21.6% | 0.21% | vs |
| Dallas U.P. Employees Credit UnionCredit union Dallas, TX | 81 out of 100, Strong | $27.2M | 24.3% | 1.54% | vs |
| HomeBank TexasBank Seagoville, TX | 79 out of 100, Strong | $403.0M | 11.6% | 0.11% | vs |
| Mesquite Credit UnionCredit union Mesquite, TX | 78 out of 100, Strong | $40.8M | 11.0% | 0.03% | vs |