Commercial State Bank
Wausa, NE
IDRSSD: 479754
Total Assets
$245.80M
Latest filing
Total Deposits
$219.14M
Latest filing
Net Interest Margin
3.95%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Commercial State Bank
519 E Broadway St
Wausa, NE 68786
Full Service - Brick and Mortar
Updated 01/30/2026Established 12/01/1925FDIC Certificate 8639
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Commercial State Bank (Main) | 519 E Broadway St | Wausa, NE |
| NEBRASKA CITY BRANCH | 617 Central Ave | Nebraska City, NE |
| COMMERCIAL STATE BANK | 1918 N 203rd St | Elkhorn, NE |
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 | 12/01/1925 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 68786 |
| State and County Number | 31107 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 10 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 23 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | wausabank.com |
| Data Updated | 01/30/2026 |
| CERT | 13819 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $245.80M |
| Total Deposits | $219.14M |
| Total Liabilities | $221.84M |
| Total Equity Capital | $23.96M |
| Net Income | $1.06M |
| Net Loans and Leases | $208.74M |
| Assets Per Employee ($Millions) | $10.24M |
| Bank Premises and Fixed Assets | $3.23M |
| Cash and Balances due from Depository Institutions | $3.64M |
| Deposits Held in Domestic Offices | $219.14M |
Key Performance Ratios
| Return on Assets (ROA) | 1.72% |
| Return on Equity (ROE) | 18.13% |
| Net Interest Margin | 3.95% |
| Efficiency Ratio | 51.86% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.12% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.747% |
| Earning Assets to total Assets | 95.16% |
Income and Expense
| Total Interest Income | $4.00M |
| Total Noninterest Income | $285.00k |
| Total Interest Expense | $1.67M |
| Total Noninterest Expense | $1.35M |
| Net Interest Income | $2.33M |
| Pre-tax Net Operating Income | $1.18M |
| Provision for Credit Losses | $75.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $27.00k |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $796.00k |
| All Other Liabilities | $1.88M |
| Total Liabilities and Capital | $245.80M |
Securities
| Securities | $23.56M |
| Available-for-sale debt securities | $12.10M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $11.47M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Commercial State Bank?
$245.80M as of the latest filing.
How much are Commercial State Bank's total deposits?
$219.14M in total deposits.
Where is Commercial State Bank located?
Wausa, NE.
What is the Net Interest Margin?
3.95%.
How many domestic offices does it operate?
3.
When was it established?
12/01/1925.
What is the Return on Assets (ROA)?
1.72%.
How much are total loans and leases?
$208.74M (latest filing).
What is the total interest income (latest filing)?
$4.00M.