Commercial State Bank vs Shell
Comparing a Bank in Palmer, TX with a Credit Union in Deer Park, TX using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Commercial State Bank ↗ Bank · Palmer, TX · Est. 1930 | Shell ↗ Credit Union · Deer Park, TX · Est. 1937 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Credit Union |
| Location | Palmer, TX | Deer Park, TX |
| Total assets | $121.3M | $2.0B |
| Capital ratio | 10.2% | 13.2% |
| Return on assets | 1.5% | 1.2% |
| Deposits | $108.5M | — |
| Branches | 3 | 165,292 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #1 of 349 | #3 of 379 |
| Established | 1930 | 1937 |
Commercial State Bank
- Assets: $121.3M
- Deposits: $108.5M
- Capital ratio: 10.2%
- Return on assets: 1.5%
- CFPB complaints: 0
- State rank: #1 of 349
Shell
- Assets: $2.0B
- Members: 165,292
- Capital ratio: 13.2%
- Return on assets: 1.2%
- CFPB complaints: 0
- State rank: #3 of 379
Are both institutions federally insured?
Yes. Commercial State Bank is FDIC-insured and Shell is NCUA-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Commercial State Bank or Shell?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Commercial State Bank scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Commercial State Bank safe?
Yes — Commercial State Bank is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Shell safe?
Yes — Shell is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Commercial State Bank vs Shell?
Commercial State Bank has a capital ratio of 10.2%, placing it in the top 49% of $100M–1B peers. Shell's ratio is 13.2%, placing it in the top 18% of $1B–10B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Commercial State Bank have compared to Shell?
The CFPB database shows 0 complaints against Commercial State Bank, and 0 complaints against Shell. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Commercial State Bank with other Banks in Texas
Financial data from FDIC and NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
