# COMMERCIAL STATE BANK
CEDAR BLUFFS, NE · FDIC certificate 16188 · asset band <$300M · latest filing 2019-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $19.2M | |
| Deposits | $16.1M | |
| Loans and leases | $8.3M | |
| Total equity | $1.6M | |
| Loans / deposits | 50.48% (p15 of band) | 76.58% |
| Liquid assets / assets | 55.71% (p87 of band) | |
| Uninsured deposits / deposits | 27.88% (p85 of band) | 16.53% |
| Brokered deposits | 3.63% | |
| Wholesale funding | 10.88% (p86 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.15% (p4 of band) | 11.42% |
| Unrealized securities loss / equity | -0.37% (p8 of band) | 0.65% |
| AOCI / equity | 3.99% (p69 of band) | |
| ROA (annualized) | 0.38% (p14 of band) | 1.01% |
| Net interest margin | 2.83% (p9 of band) | 3.82% |
| Efficiency ratio | 82.47% (p79 of band) | |
| Noncurrent loans | 1.88% (p83 of band) | 0.52% |
| Net charge-offs (annualized) | 0.00% (p27 of band) | |
| Reserve coverage of noncurrent | 110.90% | |
| Real estate % of loans | 39% | |
| Construction % of loans | 18.70% (p54 of band) | |
| Auto loans | $299,000 (3.60% of loans; DQ 26.09%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 0.7% | |
| Employees | 4 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | NIM <2.5% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 3 | capital falling, reserve under noncurrent |  |
| 2012-03 | 2 |  | capital falling |
| 2012-06 | 3 | uninsured deposits leaving |  |
| 2012-09 | 3 | capital falling | uninsured deposits leaving |
| 2012-12 | 6 | leverage <7%, noncurrent p90, uninsured deposits leaving |  |
| 2013-03 | 4 | charge-offs p90 | capital falling, leverage <7%, uninsured deposits leaving |
| 2013-06 | 2 |  | noncurrent p90, charge-offs p90 |
| 2013-09 | 3 | leverage <7%, capital falling | reserve under noncurrent |
| 2013-12 | 3 |  |  |
| 2014-03 | 2 |  | capital falling |
| 2014-06 | 1 |  | leverage <7% |
| 2014-09 | 3 | leverage <7%, reserve under noncurrent |  |
| 2014-12 | 5 | capital falling, deposits shrinking, assets shrinking | reserve under noncurrent |
| 2015-03 | 4 | uninsured deposits leaving | leverage <7%, capital falling |
| 2015-06 | 4 | reserve under noncurrent | assets shrinking |
| 2015-09 | 6 | leverage <7%, assets shrinking |  |
| 2015-12 | 5 |  | leverage <7% |
| 2016-03 | 0 |  | NIM <2.5%, deposits shrinking, uninsured deposits leaving, reserve under noncurrent, assets shrinking |
| 2016-06 | 1 | assets shrinking |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | assets shrinking |
| 2017-03 | 2 | NIM <2.5%, charge-offs p90 |  |
| 2017-06 | 4 | losing money, reserve under noncurrent |  |
| 2017-09 | 4 | expense ratio p90 | reserve under noncurrent |
| 2017-12 | 5 | deposits shrinking, assets shrinking | expense ratio p90 |
| 2018-03 | 1 |  | charge-offs p90, losing money, deposits shrinking, assets shrinking |
| 2018-06 | 1 |  |  |
| 2018-09 | 3 | expense ratio p90, deposits shrinking, assets shrinking | NIM <2.5% |
| 2018-12 | 5 | losing money, uninsured deposits leaving |  |
| 2019-03 | 3 |  | expense ratio p90, losing money |
| 2019-06 | 3 | capital falling | assets shrinking |
| 2019-09 | 1 |  | deposits shrinking, capital falling |
| 2019-12 | 0 |  | uninsured deposits leaving |

## 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
- 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
- 2017-10-23 [First Financial to Acquire Commercial State Bank - Connect CRE](https://news.google.com/rss/articles/CBMijAFBVV95cUxPbVRmOFBWaWZHMU1DZ2ZHUlZkd3lhSkRKa2lReEI5MnVzX21wV1ZfMVgxVThiWmk0M3daaG1Xcl9ZcGNiblpMeUp2elFBNElqbTZxSXVzTGpKUk9JT1pDZGJSdEVISlZhTmxlZ1hjWDJXblpMWGpkS1R0aXJyazFYTUktdWVkemhoT0ZQaA?oc=5) · Connect CRE
- 2014-08-02 [Commercial State Bank names market presidents - Lubbock Avalanche-Journal](https://news.google.com/rss/articles/CBMiwwFBVV95cUxPVUhnX0dxeXVVWEVPS0VyWmM1WDNSM09YS2pycDQwQ01Na3FjT0xrbDJES1V4QnBjZ3RoS3AydVZXMlVGT3NfU0VScFN1MV9wS1JEX0JpVmRxeFFmRUJaMWNaekVRajgxMHhfVHJBeFZMdTZBVDYxZzZadkdPSmZrdC1ZTVN6WFVoZS1nSFR1RU91UVJqN1ZVVDYzNVZYa2Rhb09fMUVweU42SmpCNlZXc0lOeldSclJnb3U5Rm5GcklNQ1k?oc=5) · Lubbock Avalanche-Journal
- 2026-06-04 [Nail in the coffin for new state-owned bank in South Africa - businesstech.co.za](https://news.google.com/rss/articles/CBMirwFBVV95cUxQajVMcmgtMVJjWGVYSVpLSTdtR2U2RWYtNWdSX0k4Uk9CdWlmd09YdWxNb0tyLVc0eVdKY0RlMWszWTl3bS1nTWU1b3VKQnBvSWtYbWZWdVI2eDJtU19IR1dCbGd3SmpkN0NyVXlmYjZuVDdzczJvQUgtNUw2b25vTE85WS1ZX0Ytb0lPc25EUDJIMlFtY01BLU02OExydGdSRWJaTm4wVVkzNjY2TEVZ?oc=5) · businesstech.co.za
- 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
- 2018-08-20 [Freedom Bank of Finance (1969-2000) - BlackPast.org](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQLTUzQjk3MTZzWklMWDNtalV5U0hFSjA4OUlvam14R2JnVWJJRnJqNFEySEUweEZNd2RKdnVXZV85UUozUzI4TkNyYmU3emxMVkdqRnN4TUlyNXIwQ3RwUlN4SFM2UVBtYkFOOWlseFRPczhJajVkYUlvMkc3WHI1LWdBWlVuQTg0?oc=5) · BlackPast.org

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16188 (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/60.json (key "16188", 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