# COMMERCIAL STATE BANK
ANDREWS, TX · FDIC certificate 17687 · asset band $300M-1B · latest filing 2018-12 · 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 | $675.6M | |
| Deposits | $594.1M | |
| Loans and leases | $433.3M | |
| Total equity | $79.5M | |
| Loans / deposits | 71.57% (p22 of band) | 86.08% |
| Liquid assets / assets | 32.73% (p76 of band) | |
| Uninsured deposits / deposits | 43.01% (p92 of band) | 22.10% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p8 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.64% (p71 of band) | 10.52% |
| Unrealized securities loss / equity | -0.88% (p70 of band) | -1.90% |
| AOCI / equity | -0.40% (p69 of band) | |
| ROA (annualized) | 2.98% (p99 of band) | 1.13% |
| Net interest margin | 5.56% (p98 of band) | 3.77% |
| Efficiency ratio | 48.88% (p8 of band) | |
| Noncurrent loans | 1.22% (p81 of band) | 0.49% |
| Net charge-offs (annualized) | -0.06% (p4 of band) | |
| Reserve coverage of noncurrent | 154.38% | |
| Real estate % of loans | 54% | |
| Construction % of loans | 60.55% (p68 of band) | |
| Auto loans | $1.8M (0.42% of loans; DQ 0.05%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 14.6% | |
| Employees | 124 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 2 | capital falling, reserve under noncurrent |  |
| 2012-09 | 1 |  | capital falling |
| 2012-12 | 0 |  | reserve under noncurrent |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 2 | reserve under noncurrent, construction >100% equity |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 | capital falling | construction >100% equity |
| 2014-09 | 1 |  | capital falling |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 | deposits shrinking | reserve under noncurrent |
| 2015-09 | 0 |  | deposits shrinking |
| 2015-12 | 4 | charge-offs p90, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2016-03 | 3 |  | charge-offs p90 |
| 2016-06 | 2 |  | uninsured deposits leaving |
| 2016-09 | 1 | charge-offs p90 | deposits shrinking, assets shrinking |
| 2016-12 | 0 |  | charge-offs p90 |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | capital falling |  |
| 2018-12 | 0 |  | capital falling |

## 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 - mrt.com](https://news.google.com/rss/articles/CBMioAFBVV95cUxPYlZySWJ2S25WS0p3cTc3bVg4M1NmeXUzY1hheDFmTENJWEJ2ckhRUXk0UDgzZlFCQWhVZnlwMEp2aU9HaGZCY0dKMHFSZ21wN0stUW9CNjR3cmZrMzJQTUc3VURSTkp0Ty15eTNuZGR1dWxwaWZzZnNYR3dqU0g2ZE1pa2xjMlJ2akpMTWhJeEE4U2FRTHVaUk92cXJKRkMw?oc=5) · mrt.com
- 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=17687 (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/23.json (key "17687", 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