Commercial State Bank: how it compares with its peers
Against 53 NE banks with half to twice its assets, Commercial State Bank's strongest measure in Q2 2026 is assets per employee ($10.6M vs. a $8.2M peer median). Its weakest relative measure is net interest margin (3.96% vs. 3.95%).
| Measure | Commercial State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.83% | 1.42% | Top third Ahead of 81% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.96% | 3.95% | Middle third Ahead of 53% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 51.14% | 57.47% | Top third Ahead of 74% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $10.6M | $8.2M | Top third Ahead of 89% of peers |
| Loans to deposits Net loans and leases over total deposits. | 91.21% | 84.81% | Context |
What it means for lending operations
Its efficiency ratio of 51.14% is better than the 57.47% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Western National Bank Chester, NE · $257M
- Columbus Bank and Trust Company Columbus, NE · $275M
- Auburn State Bank Auburn, NE · $251M
- State Nebraska Bank & Trust Wayne, NE · $244M
- Nebraska State Bank and Trust Company Broken Bow, NE · $286M
- Citizens Bank & Trust Company Saint Paul, NE · $242M
Questions about Commercial State Bank
How big is Commercial State Bank?
Commercial State Bank, established in 1925, is headquartered in Wausa, NE. It reported $264M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Commercial State Bank's return on assets?
1.83% annualized in Q2 2026, against a 1.42% median for 53 NE banks with half to twice its assets, ahead of 81% of them.
What is Commercial State Bank's efficiency ratio?
51.14% in Q2 2026: it spent about 51 cents in noninterest expense for each dollar of revenue. The peer median is 57.47%, and lower is better.
Is Commercial State Bank growing its loans?
Net loans grew 7.1% over the year to Q2 2026, while deposits grew 9.4%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are NE banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Nebraska bank ranked.