Vitals
  • Total Assets
    70.6M -3.5 %
  • Total Deposits
    63.7M -3.5 %
  • Total Net Loans
    39.5M 1.3 %
  • Net Income
    844000.0000 15.6 %
  • Book Value
    5.9M -2.4 %
  • Book Value x2
    11.9M -2.4 %
  • Book Value x3
    17.8M -2.4 %
ROAA

1.182

ROAE

13.539

Efficiency Ratio

66.518

Net Interest Margin

4.563

Balance Sheet Highlights
Financial Highlights Commercial State Bank All Insured Commercial Banks in Texas
Balance Sheet $(000)
Total Assets 70,581 358,087
Total Net Loans 39,500 213,533
Total Deposits 63,711 308,027
Total Equity 5,937 38,740
Profitability
Net Income 844 3,845
Return on Average Assets 1.182 1.025
Return on Average Equity 13.539 9.415
Net Interest Margin 4.563 3.773
Efficiency Ratio 66.518 66.762
Noninterest Income/Revenue 20.717 16.375
Balance Sheet Ratios
Loan-to-Deposit 61.999 65.494
Securities/Assets .253 .214
Total Equity/Total Assets .084 .108
Tangible Equity/Tangible Assets .084 .104
Capital Adequacy
Tier 1 Common Capital 6,140 37,278
Tier 1 Capital 6,140 37,303
Tier 2 Capital 512 2,526
Total Capital 6,652 39,866
Total Risk Weighted Assets 40,845 237,367
Leverage Ratio 8.48 10.563
Common Equity Tier 1 Capital Ratio 15.03 18.073
Tier 1 Capital Ratio 15.03 18.097
Total Capital Ratio 16.29 19.169

Timeline for Commercial State Bank

Palmer Bancshares, Inc.

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

View Profile Dec 29 2008

Palmer Bancshares Of Delaware, Inc.

Palmer Bancshares Of Delaware, Inc. became a new parent organization for Commercial State Bank.

View Profile Jul 25 1994

Commercial State Bank

Commercial State Bank was established 94 years ago and is currently headquartered in Palmer, TX.

Mar 01 1930
Relationships Role Relationship Start Relationship End
Palmer Bancshares, Inc. Parent 12/29/2008
Palmer Bancshares Of Delaware, Inc. Parent 7/25/1994 12/28/2008
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