Commercial State Bank is a bank based in Palmer, Texas, established in 1930, with $121 million in total assets across 3 branches. By Trust Grade it ranks 1st of 349 banks we track in Texas. Its capital ratio of 10.2% is stronger than 51% of similarly sized banks, versus a Texas median of 10.9%. It was profitable over the most recent period, with a 1.53% return on assets. No consumer complaints against Commercial State Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Commercial State Bank compares to Texas peers
How we graded Commercial State Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (10.2% capital ratio)
- Strongly profitable (ROA 1.53%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Commercial State Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (3)
- 421 E Belt Line Rd, Wilmer, TX 75172
- 8045 N Interstate 45 Service Rd, Palmer, TX 75152
- 200 S I 45, Ferris, TX 75125
Are deposits at Commercial State Bank insured?
Yes. Commercial State Bank is an FDIC-insured bank (FDIC certificate #10330). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Commercial State Bank: frequently asked questions
Is Commercial State Bank a good bank?
Commercial State Bank earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (10.2% capital ratio); Strongly profitable (ROA 1.53%).
Is Commercial State Bank FDIC-insured?
Yes. Commercial State Bank is a FDIC-insured bank (FDIC certificate #10330). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Commercial State Bank?
Commercial State Bank holds $121 million in total assets, ranking 1st of 349 banks we track in Texas. It operates 3 branches.
Does Commercial State Bank have CFPB complaints?
No CFPB complaints against Commercial State Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
