Vitals
  • Total Assets
    506.4M -0.1 %
  • Total Deposits
    446.0M -1.2 %
  • Total Net Loans
    373.6M 6.3 %
  • Net Income
    8.8M 5.4 %
  • Book Value
    59.1M 8.9 %
  • Book Value x2
    118.1M 8.9 %
  • Book Value x3
    177.2M 8.9 %
ROAA

1.732

ROAE

15.47

Efficiency Ratio

55.562

Net Interest Margin

4.959

Balance Sheet Highlights
Financial Highlights Commercial State Bank All Insured Commercial Banks in Texas
Balance Sheet $(000)
Total Assets 506,436 358,087
Total Net Loans 373,577 213,533
Total Deposits 445,955 308,027
Total Equity 59,072 38,740
Profitability
Net Income 8,782 3,845
Return on Average Assets 1.732 1.025
Return on Average Equity 15.47 9.415
Net Interest Margin 4.959 3.773
Efficiency Ratio 55.562 66.762
Noninterest Income/Revenue 12.591 16.375
Balance Sheet Ratios
Loan-to-Deposit 83.77 65.494
Securities/Assets .082 .214
Total Equity/Total Assets .117 .108
Tangible Equity/Tangible Assets .114 .104
Capital Adequacy
Tier 1 Common Capital 58,120 37,278
Tier 1 Capital 58,120 37,303
Tier 2 Capital 5,140 2,526
Total Capital 63,260 39,866
Total Risk Weighted Assets 408,704 237,367
Leverage Ratio 11.3 10.563
Common Equity Tier 1 Capital Ratio 14.22 18.073
Tier 1 Capital Ratio 14.22 18.097
Total Capital Ratio 15.48 19.169

Timeline for Commercial State Bank

Andrews Holding Company - Nevada

Andrews Holding Company - Nevada became a new parent organization for Commercial State Bank.

View Profile Dec 23 2002

Andrews Holding Company

Andrews Holding Company became a new parent organization for Commercial State Bank.

View Profile Jan 30 2002

Andrews Bancshares Inc

Andrews Bancshares Inc became a new parent organization for Commercial State Bank.

View Profile Dec 15 1977

Commercial State Bank

Commercial State Bank was established 67 years ago and is currently headquartered in Andrews, TX.

Nov 02 1956
Relationships Role Relationship Start Relationship End
Andrews Holding Company Parent 7/1/2008
Andrews Holding Company - Nevada Parent 12/23/2002 6/30/2008
Andrews Holding Company Parent 1/30/2002 12/22/2002
Andrews Bancshares Inc Parent 12/15/1977 5/22/1992
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