Commercial State Bank (FDIC certificate #13819) is based in Wausa, Nebraska. Its Q2 2026 call report shows $264.4M in total assets and $237.3M in deposits and 3 offices.
Based on its Q2 2026 filing, Commercial State Bank scores 76/100, which we describe as strong. That is higher than 64% of 2,650 banks with $100 million – $1 billion. Among 139 banks headquartered in Nebraska, it ranks 62nd. Its strongest component is problem-loan coverage (98/100; 1.0%), and its lowest is capital cushion (46/100; 9.64%).
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 rose 3 points (73 → 76), mostly because the earnings component improved by 7 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 68 |
| Q3 2024 | 69 |
| Q4 2024 | 70 |
| Q1 2025 | 73 |
| Q2 2025 | 73 |
| Q3 2025 | 74 |
| Q4 2025 | 74 |
| Q1 2026 | 75 |
| Q2 2026 | 76 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.95% |
| Q3 2024 | 8.90% |
| Q4 2024 | 9.11% |
| Q1 2025 | 9.48% |
| Q2 2025 | 9.45% |
| Q3 2025 | 9.40% |
| Q4 2025 | 9.60% |
| Q1 2026 | 9.82% |
| Q2 2026 | 9.64% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.21% |
| Q3 2024 | 0.21% |
| Q4 2024 | 0.22% |
| Q1 2025 | 0.20% |
| Q2 2025 | 0.20% |
| Q3 2025 | 0.16% |
| Q4 2025 | 0.15% |
| Q1 2026 | 0.19% |
| Q2 2026 | 0.12% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.30% |
| Q3 2024 | 1.32% |
| Q4 2024 | 1.38% |
| Q1 2025 | 1.55% |
| Q2 2025 | 1.65% |
| Q3 2025 | 1.67% |
| Q4 2025 | 1.69% |
| Q1 2026 | 1.73% |
| Q2 2026 | 1.83% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 76 | $264.4M | 9.64% | 0.12% | 1.83% | 91.2% |
| Q1 2026 | 75 | $254.0M | 9.82% | 0.19% | 1.73% | 93.1% |
| Q4 2025 | 74 | $245.8M | 9.60% | 0.15% | 1.69% | 95.3% |
| Q3 2025 | 74 | $248.6M | 9.40% | 0.16% | 1.67% | 91.6% |
| Q2 2025 | 73 | $241.0M | 9.45% | 0.20% | 1.65% | 93.2% |
| Q1 2025 | 73 | $235.5M | 9.48% | 0.20% | 1.55% | 94.2% |
| Q4 2024 | 70 | $232.2M | 9.11% | 0.22% | 1.38% | 92.3% |
| Q3 2024 | 69 | $239.7M | 8.90% | 0.21% | 1.32% | 89.7% |
| Q2 2024 | 68 | $228.2M | 8.95% | 0.21% | 1.30% | 94.6% |
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 Nebraska
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Western National BankBank Chester, NE | 74 out of 100, Strong | $257.4M | 9.1% | 0.02% | vs |
| Columbus Bank and Trust CompanyBank Columbus, NE | 72 out of 100, Strong | $274.6M | 9.5% | 0.07% | vs |
| Auburn State BankBank Auburn, NE | 91 out of 100, Very strong | $251.3M | 15.1% | 0.00% | vs |
| State Nebraska Bank & TrustBank Wayne, NE | 61 out of 100, Moderate | $244.0M | 10.9% | 1.61% | vs |
| Nebraska State Bank and Trust CompanyBank Broken Bow, NE | 88 out of 100, Very strong | $285.8M | 13.0% | 0.00% | vs |
| Citizens Bank & Trust CompanyBank Saint Paul, NE | 54 out of 100, Below average | $242.3M | 11.4% | 2.42% | vs |
Deposit insurance
Is my money safe at Commercial State Bank?
Yes. Commercial State Bank is an FDIC-insured institution (FDIC certificate #13819). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 19.4% of deposits ($46.1M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.64%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
3 locations
Branches
Commercial State Bank lists 3 offices in 3 cities. Most locations:
- Elkhorn, NE (1)
- Nebraska City, NE (1)
- Wausa, NE (1)
Identity & history
Profile
- Legal name
- Commercial State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 13819
- RSSD ID
- 479754
- Primary regulator
- FDIC
- Holding company
- Wausa Banshares Inc
- Established
- December 1, 1925
- Headquarters
- 519 E Broadway St, Wausa, NE 68786
- Website
- wausabank.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 #13819). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Commercial State Bank's TellerScore?
76 out of 100 (Strong), 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 #13819 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 Wausa
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Homestead BankBank Cozad, NE | 91 out of 100, Very strong | $537.0M | 18.6% | 0.20% | vs |
| First Northeast Bank of NebraskaBank Lyons, NE | 88 out of 100, Very strong | $472.6M | 13.5% | 0.22% | vs |
| Cedar Security BankBank Fordyce, NE | 87 out of 100, Very strong | $62.1M | 18.0% | 0.96% | vs |
| Madison County BankBank Madison, NE | 85 out of 100, Very strong | $613.2M | 15.1% | 0.37% | vs |
| Security BankBank Laurel, NE | 78 out of 100, Strong | $309.9M | 13.3% | 0.63% | vs |
| Farmers and Merchants State Bank, Bloomfield, NebraskaBank Bloomfield, NE | 77 out of 100, Strong | $232.9M | 9.5% | 0.07% | vs |