Bank · FDIC insured
Commercial State Bank
Top CarrotA $264.4M bank headquartered in Wausa, NE, with 3 branches in Nebraska. Best rates: CDs 4.40% and savings 1.45% APY.
Commercial State Bank Carrot Score
Carrot ScoreTop Carrot
Higher than 77% of U.S. banks and credit unions
#16 of 61 in Omaha, NE-IA metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Commercial State Bank
Commercial State Bank is an independent, locally owned and managed bank chartered in 1925.
In December 1925, the bank purchased the assets and liabilities of the old Commercial National Bank.
It operates branches located in Wausa, Nebraska City, and Elkhorn, Nebraska.
- Headquarters
- 519 E Broadway St, Wausa, NE 68786
- FDIC certificate
- 13819 ↗
Branches
3 branches in Nebraska
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Nebraska
3 branches
Wausa area · 1
- Commercial State BankMain office519 E Broadway St, Wausa, NE 68786Directions
Omaha area · 1
- Commercial State Bank1918 N 203rd St, Elkhorn, NE 68022Directions
Nebraska City area · 1
- Nebraska City Branch617 Central Ave, Nebraska City, NE 68410Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.64% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.12% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.83% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $92 | $81 | — |
- CapitalLeverage ratio9.64%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.12%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.83%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$92Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Commercial State Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.