| Weiss Ratings |
Commercial State Bank
Palmer, TX |
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| Rating | ||||
| Asset Quality Index | 4.00 | |||
| Capitalization Index | 9.60 | |||
| Liquidity Index | 4.90 | |||
| Profitability Index | 7.20 | |||
| Stability Index | 6.00 | |||
| Company Info |
Commercial State Bank
Palmer, TX |
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| FDIC Number | 10330 | |||
| Phone Number | (972) 449-2283 | |||
| Website | www.csbpalmer.com | |||
| Asset Quality |
Commercial State Bank
Palmer, TX |
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| 1-Year Asset Growth | 4.10% | |||
| 5-Year Asset Growth | 6.22% | |||
| 5-Year Charge-Offs to Average Loans | 0.29% | |||
| Charge-Offs to Average Loans | -0.14% | |||
| Non-Performing Assets to Assets | 3.02% | |||
| Non-Performing Loans to Capital | 19.66% | |||
| Non-Performing Loans to Loans | 5.77% | |||
| Balance Sheet |
Commercial State Bank
Palmer, TX |
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| Total Assets | 117.39M | |||
| Total Deposits | 105.91M | |||
| Capital and Reserves |
Commercial State Bank
Palmer, TX |
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| Capital | 10.87M | |||
| Leverage Ratio | 10.76 | |||
| Loan Loss Reserves to Loans | 1.93% | |||
| Risk-Based Capital Ratio | 25.54 | |||
| Liquidity |
Commercial State Bank
Palmer, TX |
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| Hot Money Ratio | 2.35% | |||
| Liquidity Ratio | 36.57% | |||
| Profitability |
Commercial State Bank
Palmer, TX |
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| 5-Year Return on Average Assets | 1.39% | |||
| Net Income | 1.15M | |||
| Net Interest Spread | 5.32% | |||
| Operating Profit to Average Assets | 1.98% | |||
| Overhead Efficiency Ratio | 59.04% | |||
| Return on Assets | 1.98% | |||
| Return on Equity | 21.51% | |||