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Commercial State Bank

Wausa, NE
IDRSSD: 479754
Total Assets
$248.56M
Latest filing
Total Deposits
$223.24M
Latest filing
Net Interest Margin
3.85%
Profitability
0

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 ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date12/01/1925
Community BankYes
Ownership TypeNot Mutual
ZIP68786
State and County Number31107
Subchapter S CorporationsYes
Trust PowersN/A
Federal Reserve ID Number10
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictKansas City
Core Based Statistical Area NameN/A

Operational Info

Number of Employees24
Domestic Offices3
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date06/30/2024
Date of Deposit Insurance01/01/1934
Primary Insurance AgencyDIF
Websitewausabank.com
Data Updated11/14/2025
CERT13819
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$248.56M
Total Deposits$223.24M
Total Liabilities$225.60M
Total Equity Capital$22.96M
Net Income$1.04M
Net Loans and Leases$204.45M
Assets Per Employee ($Millions)$10.81M
Bank Premises and Fixed Assets$3.17M
Cash and Balances due from Depository Institutions$12.87M
Deposits Held in Domestic Offices$223.24M

Key Performance Ratios

Return on Assets (ROA)1.71%
Return on Equity (ROE)18.51%
Net Interest Margin3.85%
Efficiency Ratio48.19%
Tier 1 Risk-Based Capital Ratio0%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.12%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets9.237%
Earning Assets to total Assets95.4%

Income and Expense

Total Interest Income$3.94M
Total Noninterest Income$209.00k
Total Interest Expense$1.69M
Total Noninterest Expense$1.18M
Net Interest Income$2.25M
Pre-tax Net Operating Income$1.20M
Provision for Credit Losses$75.00k
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$0
Other borrowed funds$27.00k
Federal Funds Sold & Reverse Repurchase Agreement$0
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$2.33M
Total Liabilities and Capital$248.56M

Securities

Securities$21.69M
Available-for-sale debt securities$9.61M
Equity securities with readily determinable fair values not held for trading$0
Held-to-maturity securities$12.08M
Subordinated Debt$0
Trading Account Assets$0
Trading Liabilities$0

Frequently Asked Questions

What are the total assets of Commercial State Bank?
$248.56M as of the latest filing.
How much are Commercial State Bank's total deposits?
$223.24M in total deposits.
Where is Commercial State Bank located?
Wausa, NE.
What is the Net Interest Margin?
3.85%.
How many domestic offices does it operate?
3.
When was it established?
12/01/1925.
What is the Return on Assets (ROA)?
1.71%.
How much are total loans and leases?
$204.45M (latest filing).
What is the total interest income (latest filing)?
$3.94M.