Commercial State Bank
Palmer, TX
IDRSSD: 1017564
Total Assets
$120.36M
Latest filing
Total Deposits
$107.79M
Latest filing
Net Interest Margin
5.04%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Commercial State Bank
8045 N Interstate 45 Service Rd
Palmer, TX 75152
Full Service - Brick and Mortar
Updated 01/30/2026Established 03/01/1930FDIC Certificate 6617
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Commercial State Bank (Main) | 8045 N Interstate 45 Service Rd | Palmer, TX |
| WILMER BRANCH | 421 E Belt Line Rd | Wilmer, TX |
| FERRIS BRANCH | 200 S I 45 | Ferris, TX |
Showing 2 of 2
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 03/01/1930 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 75152 |
| State and County Number | 48139 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 11 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Dallas-Fort Worth-Arlington, TX |
Operational Info
| Number of Employees | 26 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.csbpalmer.com |
| Data Updated | 01/30/2026 |
| CERT | 10330 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $120.36M |
| Total Deposits | $107.79M |
| Total Liabilities | $108.21M |
| Total Equity Capital | $12.15M |
| Net Income | $75.00k |
| Net Loans and Leases | $42.95M |
| Assets Per Employee ($Millions) | $4.81M |
| Bank Premises and Fixed Assets | $1.56M |
| Cash and Balances due from Depository Institutions | $10.82M |
| Deposits Held in Domestic Offices | $107.79M |
Key Performance Ratios
| Return on Assets (ROA) | 0.24% |
| Return on Equity (ROE) | 2.46% |
| Net Interest Margin | 5.04% |
| Efficiency Ratio | 66.61% |
| Tier 1 Risk-Based Capital Ratio | 25.504% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 1.61% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.093% |
| Earning Assets to total Assets | 93.27% |
Income and Expense
| Total Interest Income | $1.52M |
| Total Noninterest Income | $251.00k |
| Total Interest Expense | $60.00k |
| Total Noninterest Expense | $1.14M |
| Net Interest Income | $1.46M |
| Pre-tax Net Operating Income | $75.00k |
| Provision for Credit Losses | $495.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $1.02M |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $415.00k |
| Total Liabilities and Capital | $120.36M |
Securities
| Securities | $60.29M |
| Available-for-sale debt securities | $60.29M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Commercial State Bank?
$120.36M as of the latest filing.
How much are Commercial State Bank's total deposits?
$107.79M in total deposits.
Where is Commercial State Bank located?
Palmer, TX.
What is the Net Interest Margin?
5.04%.
How many domestic offices does it operate?
3.
When was it established?
03/01/1930.
What is the Return on Assets (ROA)?
0.24%.
How much are total loans and leases?
$42.95M (latest filing).
What is the total interest income (latest filing)?
$1.52M.