Commercial State Bank (17687)

Commercial State Bank (17687) is headquartered in Andrews and is the 107^th largest bank in the state of Texas. It is also the 1,486^th largest bank in the nation. It was established in 1956 and as of March of 2012, it had grown to 119 employees at 7 locations. Commercial State Bank (17687) has a 4-star health rating.

Commercial State Bank (17687) Checking Account Rates

Commercial State Bank (17687) Savings Account Rates

Commercial State Bank (17687) Money Market Rates

Commercial State Bank (17687) CD Rates

Commercial State Bank (17687) IRA Rates

Data for Q1 2012

Institution Statistics Commercial State Bank FDIC Certificate # 17687 BankRate Report View Year Established 1956 Employees 119 Primary Regulator FDIC Assets and Liabilities Assets $449.54 million Loans $265.72 million Deposits $409.89 million Equity Capital $38.79 million Loan Loss Allowance $3.80 million Unbacked Noncurrent Loans $3.09 million Real Estate Owned $2.83 million Historic Data - March 2011 Assets $397.82 million Equity Capital $34.90 million Loan Loss Allowance $2.35 million Unbacked Noncurrent Loans $1.21 million Real Estate Owned $1.97 million Profit Margin - Quarterly Net Interest Margin 4.86% Return on Assets 1.33% Return on Equity 14.85% Interest Income $5.30 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Commercial State Bank (17687) had $5.92 million in non-current loans and owned real-estate with $42.59 million in equity and loan loss allowances on hand to cover it. This gives Commercial State Bank (17687) a Texas Ratio of 13.91% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Commercial State Bank (17687) increased slightly from 8.53% as of March 31, 2011 to 13.91% as of March 31, 2012, resulting in a negative change of 62.97%. This indicates that the balance sheet and financial strength for Commercial State Bank (17687) has declined slightly in recent periods. Deposit Growth In the past year, Commercial State Bank (17687) has increased its total deposits by $47.76 million, resulting in 13.19% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Commercial State Bank (17687) has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Commercial State Bank (17687) has $449.54 million in assets with $42.59 million in equity, resulting in a capitalization level of 9.48%, which is average.

No reviews have been left for this bank yet. Be the first to review.