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Commercial State Bank Review

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Commercial State Bank Savings
0.25% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations


Commercial State Bank first started operating in 1956 and its headquarters are located in Andrews, Texas. Commercial State Bank has assets of $587 million along with $518 million in deposits, classifying it as a medium-size bank. Commercial State Bank lacks premium access to support representatives, with no options for live chat or all-day service. It is a traditional brick-and-mortar bank with access to service representatives at a physical location, in addition to its online and mobile offerings. Coming in at a commendable 4.4 out of 5 stars, Commercial State Bank proves it is a great choice and should warrant serious consideration. Commercial State Bank provides customers with multiple product offerings, including savings accounts, checking accounts, money market accounts and credit cards. Commercial State Bank has a fair savings rate compared to the average savings account. If you're interested in stress-free personal checking, Commercial State Bank offers an option without a maintenance or monthly fee. Obtaining a checking account with no monthly fee as well as a savings account with a high APY at the same bank is your best option for gaining the most income from your deposits while maintaining easy access to your funds.

How We Rated It

SmartAsset's Overall Rating

National Average: 4.1

The overall rating is a weighted average of rates, fees, service quality and financial health.Read more


SmartAsset Average: 3.5

With a savings rate of 0.25%, Commercial State Bank ranks poorly in comparison to the national average. Its one-year and five-year term lengths CDs earn at a rate of 1.25% and 2.00%, respectively, while its highest-yielding money market account has a rate of 0.30%. Given its below average savings rate, you should consider other options to earn more on your deposits.

How Commercial State Bank's Savings Rates Compare

Commercial State Bank Savings 0.25 National Average 0.26 Compare Offers
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SmartAsset Average: 4.4

Commercial State Bank has typically extremely low fees in comparison to other U.S. banks. With no monthly fee, Commercial State Bank is perfect for those who want a basic checking account. Commercial State Bank unfortunately doesn't reimburse out-of-network ATM fees, meaning you will need to search for a Commercial State Bank ATM or accept the ATM charge.

Monthly Fee $0 National Average: $3.21
Non-network ATM Fee N/A National Average: $1.20
Overdraft Fee N/A National Average: $35.00
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Service Quality

SmartAsset Average: 3.7

Commercial State Bank is a brick-and-mortar bank, with seven total branches in Texas. It also offers access to mobile and web apps for a straightforward mobile-banking experience. Commercial State Bank's online and mobile banking services get fairly satisfactory scores from customers. The Commercial State Bank mobile app has been given a 4.1 out of 5 (out of 12 ratings on iOS and Android) compared to the national average of 3.8. You can utilize Commercial State Bank's mobile app to control your funds by looking at monthly statements, sending and receiving money and accessing support representatives. Commercial State Bank gets a superb consumer satisfaction score due to relatively few complaints reported to the Consumer Financial Protection Bureau (CFPB), a government financial agency that protects consumers in the financial sector.

Overall Mobile Rating 4.1/5
Consumer Satisfaction Rating 5.0/5
Online Banking Portal No
Live Chat No
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Financial Health

SmartAsset Average: 4.8

Commercial State Bank is currently a medium-size bank with assets totaling $587 million as well as deposits totaling $518 million. Commercial State Bank has a strong Texas Ratio of 9.45%, signifying a tiny likelihood of failure. Additionally, Commercial State Bank is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis

High Risk 75% 50% 20% 10% Low Risk

The Texas Ratio, a measure of a "bad assets" against available capital, can provide an early warning sign of bank failure. A low ratio indicates smaller chance of failure; a higher ratio suggests greater risk.

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Compare Commercial State Bank to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.25% APY $100
Checking Account 0.05% APY $1000
Certificates of Deposit
  • 12 Month: 1.25% APY
  • 24 Month: 1.50% APY
  • 36 Month: 1.75% APY
  • 48 Month: 1.80% APY
  • 60 Month: 2.00% APY
$1000 for all terms
Money Market Account 0.1% APY $2500

Commercial State Bank has several deposit products like savings accounts, checking accounts and money market accounts that provide you with many options to manage your money. Commercial State Bank does not have the best savings rate, which means you should consider other options for banks that deliver more return for your money. CDs can be a terrific option to achieve higher returns, but there are limitations to accessing your money. Commercial State Bank's CD rates are fair as compared against the national average.

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Find a Commercial State Bank Near Me

Commercial State Bank has seven branches in the U.S.

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