Headquartered in Republican City, Nebraska, Commercial State Bank is a state-chartered bank with $75.5M in total assets and $49.9M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1903.
Based on its Q2 2026 filing, Commercial State Bank scores 97/100, which we describe as very strong. That is higher than 98% of 546 banks with under $100 million in assets. Among 139 banks headquartered in Nebraska, it ranks 1st. Its strongest component is capital cushion (100/100; 28.59%), and its lowest is earnings (83/100; 1.58%).
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 (94 → 97), mostly because the earnings component improved by 15 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 90 |
| Q3 2024 | 90 |
| Q4 2024 | 86 |
| Q1 2025 | 92 |
| Q2 2025 | 94 |
| Q3 2025 | 94 |
| Q4 2025 | 89 |
| Q1 2026 | 96 |
| Q2 2026 | 97 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 29.50% |
| Q3 2024 | 27.76% |
| Q4 2024 | 27.76% |
| Q1 2025 | 28.55% |
| Q2 2025 | 28.32% |
| Q3 2025 | 27.08% |
| Q4 2025 | 27.90% |
| Q1 2026 | 29.39% |
| Q2 2026 | 28.59% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.73% |
| Q3 2024 | 0.76% |
| Q4 2024 | 0.28% |
| Q1 2025 | 1.05% |
| Q2 2025 | 1.20% |
| Q3 2025 | 1.20% |
| Q4 2025 | 0.66% |
| Q1 2026 | 1.47% |
| Q2 2026 | 1.58% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 97 | $75.5M | 28.59% | 0.00% | 1.58% | 39.0% |
| Q1 2026 | 96 | $72.8M | 29.39% | 0.00% | 1.47% | 36.7% |
| Q4 2025 | 89 | $75.3M | 27.90% | 0.00% | 0.66% | 43.5% |
| Q3 2025 | 94 | $79.2M | 27.08% | 0.00% | 1.20% | 44.7% |
| Q2 2025 | 94 | $76.7M | 28.32% | 0.00% | 1.20% | 39.9% |
| Q1 2025 | 92 | $73.4M | 28.55% | 0.00% | 1.05% | 36.3% |
| Q4 2024 | 86 | $76.0M | 27.76% | 0.00% | 0.28% | 38.6% |
| Q3 2024 | 90 | $75.5M | 27.76% | 0.00% | 0.76% | 36.4% |
| Q2 2024 | 90 | $74.1M | 29.50% | 0.00% | 0.73% | 36.2% |
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 |
|---|---|---|---|---|---|
| Nebraska State BankBank Oshkosh, NE | 79 out of 100, Strong | $74.1M | 18.1% | 1.40% | vs |
| First Bank of UticaBank Utica, NE | 76 out of 100, Strong | $77.4M | 14.3% | 0.63% | vs |
| First Tri County BankBank Swanton, NE | 72 out of 100, Strong | $78.5M | 9.1% | 0.04% | vs |
| Battle Creek State BankBank Battle Creek, NE | 81 out of 100, Strong | $71.0M | 14.4% | 0.00% | vs |
| Genoa Community BankBank Genoa, NE | 85 out of 100, Very strong | $70.5M | 12.9% | 0.00% | vs |
| Adams State BankBank Adams, NE | 91 out of 100, Very strong | $70.2M | 16.6% | 0.09% | vs |
Deposit insurance
Is my money safe at Commercial State Bank?
Yes. Commercial State Bank is an FDIC-insured institution (FDIC certificate #1986). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 1.9% of deposits ($927K) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 28.59%, well 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%).
1 location
Branches
Commercial State Bank lists 1 office in 1 city. Most locations:
- Republican City, NE (1)
Identity & history
Profile
- Legal name
- Commercial State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 1986
- RSSD ID
- 924553
- Primary regulator
- FDIC
- Holding company
- Commercial St Holding Co Inc
- Established
- January 1, 1903
- Headquarters
- 20 Circle Dr, Republican City, NE 68971
- Employees
- 4
Quick answers
Commercial State Bank: common questions
Is Commercial State Bank FDIC insured?
Yes. Commercial State Bank is an FDIC-insured institution (FDIC certificate #1986). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Commercial State Bank's TellerScore?
97 out of 100 (Very 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 #1986 in the FDIC failed bank list.
How many branches does Commercial State Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Republican City
| 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 |
| Heritage BankBank Wood River, NE | 86 out of 100, Very strong | $611.6M | 23.0% | 1.18% | vs |
| First State BankBank Loomis, NE | 84 out of 100, Strong | $232.5M | 11.8% | 0.01% | vs |
| First State BankBank Farnam, NE | 79 out of 100, Strong | $199.5M | 11.9% | 0.33% | vs |
| First National Bank and TrustBank Phillipsburg, KS | 72 out of 100, Strong | $322.2M | 14.7% | 1.87% | vs |
| Golden Plains Credit UnionCredit union Garden City, KS | 70 out of 100, Strong | $1.0B | 13.2% | 1.06% | vs |