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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 has its headquarters in Andrews, Texas. It handles $587 million in assets as well as $518 million in deposits, classifying it as a medium-size bank. Commercial State Bank lacks premium access to customer service, with no options for live chat or all-day service. It is a conventional 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 stars out of 5, Commercial State Bank is a great choice and should warrant serious consideration. Commercial State Bank has multiple banking products, which include savings accounts, checking accounts, money market accounts and credit cards. It has a fair savings rate; you can find higher rates with other banks. If you're looking for a checking account for everyday use, Commercial State Bank's standard checking does not have a monthly fee. Finding a checking account with no monthly fee, in addition to a savings account with a high interest rate at the same bank is your best bet for accruing the most income on your deposits while maintaining convenient access to your money.

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

Commercial State Bank features a savings rate of 0.25%, which is fair in comparison to the average U.S. bank. 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 an APY of 0.30%. Given Commercial State Bank's poor 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 typically has extremely low fees compared to other U.S. banks. With no monthly fee, Commercial State Bank's checking account is ideal for those who want an easy banking experience. Commercial State Bank unfortunately does not reimburse out-of-network ATM charges, which means you'll be required to locate a Commercial State Bank ATM or eat 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 simple access and banking on the go. Commercial State Bank's online and mobile banking services receive relatively good feedback from users. The Commercial State Bank mobile app has been given a 4.1 out of 5 (with 12 customer reviews on iOS and Android) compared to the national average of 3.8. Commercial State Bank's mobile app lets you manage your finances by monitoring current statements, sending and receiving money as well as reaching support representatives. Commercial State Bank gets an outstanding consumer satisfaction score based on relatively few complaints filed with the Consumer Financial Protection Bureau (CFPB), a government 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 a medium-size bank owning assets totaling $587 million as well as $518 million in deposits. Its Texas Ratio is 9.45%, signifying a tiny possibility 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 to give you many options to manage your money. Commercial State Bank does not have the best savings rate, which means you should think about 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 compared to other U.S. banks.

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Find a Commercial State Bank Near Me

Commercial State Bank has seven physical branches across the U.S.

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