# COMMERCIAL STATE BANK
PALMER, TX · FDIC certificate 10330 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $126.6M | |
| Deposits | $114.3M | |
| Loans and leases | $40.7M | |
| Total equity | $11.8M | |
| Loans / deposits | 35.00% (p9 of band) | 73.59% |
| Liquid assets / assets | 63.52% (p90 of band) | |
| Uninsured deposits / deposits | 46.78% (p95 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.92% (p38 of band) | 11.76% |
| Unrealized securities loss / equity | -11.34% (p37 of band) | -6.57% |
| AOCI / equity | -3.03% (p6 of band) | |
| ROA (annualized) | 1.57% (p71 of band) | 1.17% |
| Net interest margin | 4.57% (p79 of band) | 3.93% |
| Efficiency ratio | 66.78% (p53 of band) | |
| Noncurrent loans | 5.44% (p97 of band) | 0.36% |
| Net charge-offs (annualized) | 0.15% (p90 of band) | |
| Reserve coverage of noncurrent | 32.55% | |
| Real estate % of loans | 65% | |
| Construction % of loans | 13.14% (p43 of band) | |
| Auto loans | $568,000 (1.39% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 7.9% | |
| Employees | 25 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 | capital falling | reserve under noncurrent |
| 2012-03 | 1 | reserve under noncurrent | capital falling |
| 2012-06 | 0 |  | reserve under noncurrent |
| 2012-09 | 0 |  |  |
| 2012-12 | 2 | capital falling, reserve under noncurrent |  |
| 2013-03 | 1 |  | capital falling |
| 2013-06 | 1 | construction >100% equity | reserve under noncurrent |
| 2013-09 | 0 |  | construction >100% equity |
| 2013-12 | 0 |  |  |
| 2014-03 | 2 | capital falling, losing money |  |
| 2014-06 | 0 |  | capital falling, losing money |
| 2014-09 | 0 |  |  |
| 2014-12 | 1 | reserve under noncurrent |  |
| 2015-03 | 2 | noncurrent p90 |  |
| 2015-06 | 3 | uninsured deposits leaving |  |
| 2015-09 | 2 |  | uninsured deposits leaving |
| 2015-12 | 2 | charge-offs p90 | noncurrent p90 |
| 2016-03 | 5 | noncurrent p90, deposits shrinking, assets shrinking, uninsured deposits leaving | charge-offs p90 |
| 2016-06 | 1 |  | reserve under noncurrent, noncurrent p90, assets shrinking, uninsured deposits leaving |
| 2016-09 | 0 |  | deposits shrinking |
| 2016-12 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2017-03 | 2 | charge-offs p90 | noncurrent p90 |
| 2017-06 | 2 | noncurrent p90 | charge-offs p90 |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 | charge-offs p90 | noncurrent p90 |
| 2018-03 | 0 |  | reserve under noncurrent, charge-offs p90 |
| 2018-06 | 0 |  |  |
| 2018-09 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2018-12 | 3 | noncurrent p90 |  |
| 2019-03 | 1 |  | charge-offs p90, noncurrent p90 |
| 2019-06 | 2 | noncurrent p90 |  |
| 2019-09 | 2 | charge-offs p90 | noncurrent p90 |
| 2019-12 | 1 |  | reserve under noncurrent |
| 2020-03 | 0 |  | charge-offs p90 |
| 2020-06 | 1 | reserve under noncurrent |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | noncurrent p90 |  |
| 2021-06 | 2 |  | capital falling |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 4 | capital falling, AOCI drag >20% of equity |  |
| 2022-06 | 4 | securities losses >30% of equity | capital falling |
| 2022-09 | 4 |  |  |
| 2022-12 | 2 |  | reserve under noncurrent, noncurrent p90 |
| 2023-03 | 3 | deposits shrinking, assets shrinking | AOCI drag >20% of equity |
| 2023-06 | 6 | noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2023-09 | 7 | uninsured deposits leaving |  |
| 2023-12 | 4 |  | securities losses >30% of equity, noncurrent p90, uninsured deposits leaving |
| 2024-03 | 1 |  | deposits shrinking, assets shrinking, charge-offs p90 |
| 2024-06 | 2 | noncurrent p90 |  |
| 2024-09 | 3 | charge-offs p90 |  |
| 2024-12 | 1 |  | reserve under noncurrent, noncurrent p90 |
| 2025-03 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2025-06 | 2 |  | charge-offs p90 |
| 2025-09 | 3 | capital falling |  |
| 2025-12 | 4 | charge-offs p90 |  |
| 2026-03 | 3 |  | capital falling |
| 2026-06 | 2 |  | charge-offs p90 |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-17 [Former Veritex exec finds deal for bank holding co. - The Business Journals](https://news.google.com/rss/articles/CBMioAFBVV95cUxNRThlRERyWUMyUy1oOXhsb1VQX3F0R1dHU3ltNHBJLWZELW9mcXNRaW9FVnoyVV81bXlrWlVGY1JxM3NLUkt4bTF0bkJLOTNMdVRpTGhCRjJJQTNnRE9RbElRenZudXdLOGpLaU16di1YRHR5a0IxM0M5WjdzdnZ1bDBDZkRmdktJT09Samd0RjlKRXVCWVFURXIzeTE1WDdV?oc=5) · The Business Journals
- 2019-01-23 [American Momentum Bank buys Commercial State Bank - Midland Reporter-Telegram](https://news.google.com/rss/articles/CBMioAFBVV95cUxPYlZySWJ2S25WS0p3cTc3bVg4M1NmeXUzY1hheDFmTENJWEJ2ckhRUXk0UDgzZlFCQWhVZnlwMEp2aU9HaGZCY0dKMHFSZ21wN0stUW9CNjR3cmZrMzJQTUc3VURSTkp0Ty15eTNuZGR1dWxwaWZzZnNYR3dqU0g2ZE1pa2xjMlJ2akpMTWhJeEE4U2FRTHVaUk92cXJKRkMw?oc=5) · Midland Reporter-Telegram
- 2017-10-23 [First Financial to Acquire Commercial State Bank - Connect CRE](https://news.google.com/rss/articles/CBMijAFBVV95cUxPbVRmOFBWaWZHMU1DZ2ZHUlZkd3lhSkRKa2lReEI5MnVzX21wV1ZfMVgxVThiWmk0M3daaG1Xcl9ZcGNiblpMeUp2elFBNElqbTZxSXVzTGpKUk9JT1pDZGJSdEVISlZhTmxlZ1hjWDJXblpMWGpkS1R0aXJyazFYTUktdWVkemhoT0ZQaA?oc=5) · Connect CRE
- 2025-02-04 [The Fiscal Impact of Credit Unions Purchasing Bank Assets - commonsenseinstituteus.org](https://news.google.com/rss/articles/CBMixAFBVV95cUxPbzZ6aHBNZklIRUJXUXN5ZHlmNnlWUkNrZjlQaGJOOTVrVjg5XzBUV3pvcWlxTzFGb3F5bW81YWt6MHp4aGp0ZkVxZms2QVo3T180bW5BdE9kclByQkRYTFJ2ZlluU0pxdHZMbkc5clQ2VE5IcnpVV2FaN041dnlyWk9mbm9iUTZ2dFh2MU9IVGhhMGhnVVVjTlNWMUV2ejdjSkxoNG1KWHVobUhFZm9XN0p3dWt4czFNU3dFZE0xcGdGVEho?oc=5) · commonsenseinstituteus.org
- 2012-02-04 [Business Bulletin Board - Lubbock Avalanche-Journal](https://news.google.com/rss/articles/CBMipgFBVV95cUxPRnZJSGJfUnkxc2hSSDhFMlM2dXZKWDZOcGoyMDlRVkxaZXZtdUVpQzdGYXNtOE45Y3FIVnpOTUpLYlFySjZMN1ZGYV9ybUczdHk2cHRNcG5rOGNoUnp0dXhzbVJMRWh3UDJiaEtQeC1hbWZyRTJ1c1lOc01lR3V2dm5KWUZwSE9oVGpudDNfMkdkWWhVZW8xNWIxLWRJQlVaTFJtNFVB?oc=5) · Lubbock Avalanche-Journal
- 2026-01-16 [First Financial Bank Makes Promotions for Continued Succession Planning - ABF Journal](https://news.google.com/rss/articles/CBMioAFBVV95cUxNdUl2VmpwdkpsTGhQSWh2LUJmNW8xTGRLOTJBMnhRcUhzSWZWVzJKcVFMZENJV3pyZ2pOQ3B1OTZOa1NrNTlMaHlnRGpZc3R2aWhFbTNUbVhzSmFJMWZSZGRIeFZ2cWR6d2ZYRVVHTFA3R0tlM01ETXpKd1BZcVBqXzBjUGJ2eFBvTTZMbHMwYlM2T3c2eVNWSWhFVFZtNkpa?oc=5) · ABF Journal
- 2017-10-12 [First Financial to acquire Kingwood-based Commercial Bancshares - Abilene Reporter-News](https://news.google.com/rss/articles/CBMivwFBVV95cUxNeW80aC1ycy1QcjdzWlpadmtUVFI2Y2FSbkVUVXVvNnBwS08weWdmN25EcGdubnFtVXhKaWVWbmxXa1kycG4tU1VfZUN6VUpXd3hIT2phVlFRZEpyQ080LWozRFJzd0tyMVJrcW5OZnhiZjRBb0lnNGtMN25zVEVMNDlncjRkU1FJOVRheUd3d201VnFxMDNoWWZHa1FTSGl4WFRnWXNDTERzd250RF9FS1dZMlRwTVFkejJCTHJiNA?oc=5) · Abilene Reporter-News
- 2018-01-04 [Latest Houston-area bank acquisition is complete - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOeFlrM29hbFpMbGEtc3R0bHpUMDQ4Mnhtb2tmRWlVNmZkWExwZy1lXzZEeW9oTnVoQ3pteW1YUnA5ODZIcmc3aEFmNU1OQnh2WTBEMTVMYnBJY3hCWFBURUpoWllyTklIWFQwTUE3UFVLREZkeXREMDNJTVFJWS1CalY5OVg0cmlwSXVfQV9rX1RqQzYzWmNzbzdlVFYzOEEyUjRzS05vYVY?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10330 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/26.json (key "10330", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide