Commercial State Bank
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 28.6. A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (9.6).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.9 on a scale of 0 to 10). Good liquidity 5.8, driven by a liquidity ratio of 78.2 percent and a “hot money” ratio of 37.5 percent.
Asset Mix:
Securities (66%), cash (6%), comm loans (1%), consumer loans (1%), other (26%)
States with Branches:
NE
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Commercial State Holding Company, Inc.
Investment Rating
--
Address
20 Circle Drive
Republican City, NE 68971
Republican City, NE 68971
Phone Number
(308) 799-3995
Year Founded
1903
FDIC Number
Largest Affiliates
No affiliate information available.