# COMMERCIAL STATE BANK
EL CAMPO, TX · FDIC certificate 2409 · asset band $300M-1B · latest filing 2017-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 3 (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 | $390.1M | |
| Deposits | $345.7M | |
| Loans and leases | $271.5M | |
| Total equity | $44.4M | |
| Loans / deposits | 77.79% (p35 of band) | 85.15% |
| Liquid assets / assets | 27.25% (p62 of band) | |
| Uninsured deposits / deposits | 42.35% (p92 of band) | 21.69% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p6 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.50% (p74 of band) | 10.22% |
| Unrealized securities loss / equity | -0.59% (p50 of band) | -0.60% |
| AOCI / equity | 0.41% (p64 of band) | |
| ROA (annualized) | 1.24% (p74 of band) | 0.90% |
| Net interest margin | 4.50% (p91 of band) | 3.66% |
| Efficiency ratio | 62.73% (p35 of band) | |
| Noncurrent loans | 1.10% (p76 of band) | 0.54% |
| Net charge-offs (annualized) | 0.00% (p20 of band) | |
| Reserve coverage of noncurrent | 88.73% | |
| Real estate % of loans | 67% | |
| Construction % of loans | 104.08% (p92 of band) | |
| Auto loans | $537,000 (0.20% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $1.0M (2% of equity) (p91 of band) | |
| Deposits YoY | 15.0% | |
| Employees | 60 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

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

## 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=2409 (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/41.json (key "2409", 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