Commercial State Bank (FDIC #13819): Bank Stress & Real-Estate Credit Exposure
Commercial State Bank (FDIC Cert #13819): bank stress 56/100, moderate, STABLE over 7 days; parent WAUSA BANSHARES INC.
Commercial State Bank (#13819) lends in 3 counties across 1 state; Commercial State Bank (#13819) reaches 68 ZIP codes: Nebraska 3 counties, 68 ZIPs.
Commercial State Bank (#13819) largest markets: Douglas County, NE (37 branches, 37 ZIPs) (#13819), Otoe County, NE (20 branches, 20 ZIPs) (#13819), Knox County, NE (11 branches, 11 ZIPs) (#13819).
Commercial State Bank (#13819) reports $264.4 million in total assets; Commercial State Bank (#13819) equity $25.0 million (9.4% of Commercial State Bank (#13819) assets); Commercial State Bank (#13819) domestic deposits $237.3 million; Commercial State Bank (#13819) net income $2.3 million; Commercial State Bank (#13819) return on assets 1.83%; Commercial State Bank (#13819) return on equity 19.07%; Commercial State Bank (#13819) net interest income $4.8 million; Commercial State Bank (#13819) call report June 30, 2026.
Commercial State Bank (#13819) noncurrent real-estate loans: none reported; Commercial State Bank (#13819) net charge-offs on real estate 0.18%.
Commercial State Bank (#13819) net interest margin 3.96% against an eight-quarter Commercial State Bank (#13819) average of 3.62% (Commercial State Bank (#13819) compression -0.35 points); Commercial State Bank (#13819) rate-exposure score 40/100, Commercial State Bank (#13819) fixed-rate trap 40/100; Commercial State Bank (#13819) risk type credit driven; Commercial State Bank (#13819) rate regime rates elevated, Commercial State Bank (#13819) snapshot October 19, 2026.
Commercial State Bank (#13819) stress score moved from 55.8 on June 22, 2026 to 55.9 on October 19, 2026; Commercial State Bank (#13819) ranged 55.8 to 55.9 over 116 snapshots.
Commercial State Bank (#13819) alerts: 3 counties; top Commercial State Bank (#13819) alert scores: Elkhorn County, NE 20 (low); Nebraska City County, NE 20 (low); Wausa County, NE 20 (low).