Commercial State Bank of Wausa, Nebraska


Commercial State Bank of Wausa, Nebraska is an FDIC insured institution headquartered at 519 E Broadway St, Wausa, NE 68786.
It was founded in 1925 and has approximately $0 billion in assets. Customers can open an account at one of its 3 branches.

Deposit Rates - December 19, 2025

SAVINGS RATES APY MIN
CD RATES APY MIN
6 Mo CD
1.75% $1,000 Compare
6 Mo CD
1.70% $100,000 Compare
12 Mo CD
3.91% $1,000 Compare
12 Mo CD
2.25% $100,000 Compare
24 Mo CD
3.00% $1,000 Compare
24 Mo CD
4.00% $100,000 Compare
36 Mo CD
3.00% $1,000 Compare
36 Mo CD
2.45% $100,000 Compare
48 Mo CD
3.25% $1,000 Compare
48 Mo CD
2.60% $100,000 Compare
MM RATES APY MIN
Money Market
1.25% $0 Compare
Money Market
1.45% $1,000 Compare
Money Market
1.55% $25,000 Compare
VARIABLE IRA RATES APY MIN
Var IRA
0.90% $1
INT CHECKING RATES APY MIN
INTCK
1.25% $500




Overview 2025

General Bank Information

FDIC Insured Yes
FDIC Certificate # 13819
Date Established 1925
Assets $ 241.05 million
Loans $ 202.02 million
Deposits $ 216.82 million
Capital $ 22.21 million

Summary Balance Sheet as of June 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 9.04 million
Interest-bearing balances $ 7.16 million
Total securities $ 20.77 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 202.02 million
Loan loss allowance $ 2.22 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 4.06 million
     Total Assets $ 218.84 million

LIABILITIES
Total deposits $ 216.82 million
      Interest-bearing deposits $ 192.47 million
      Deposits held in domestic offices $ 216.82 million
      % insured (estimated)" 81.82%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 1.05 million
Subordinated debt N.A.
All other liabilities $ 1.25 millionn
      Total Liabilities $ 218.84 million
      Shareholders’ Equity $ 22.21 million

Summary Income Statement as of June 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 7.32 million
Total Interest Expense $ 3.23 million
Net interest income $ 4.09 million
Provision for loan and lease losses $ 0.15 million
Total non interest income $ 0.42 million
Total non interest expense $ 2.39 million
Pre-tax Net Operating Income $ 1.43 million

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Branches

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Commercial State Bank of Wausa, Nebraska Locations

Savings Comparison

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis."

PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES

Tax Rate: 30%

All calculations are for demonstration purposes only."

  • 1
    LOCAL SAVINGS
    Bank
    NEBRASKA
    $50,000
    N.A.
    1.26%
    5.58x (National Avg. - 0.23%)
    $0
    -
    SCENARIO
    Year Rate
    1.26%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 630 441
    2 50,630 638 447
    3 51,268 646 452
    4 51,914 654 458
    5 52,568 662 464
    6 53,230 671 469
    7 53,901 679 475
    8 54,580 688 481
    9 55,268 696 487
    10 55,964 705 494
    11 56,669 714 500
    12 57,384 723 506
    13 58,107 732 512
    14 58,839 741 519
    15 59,580 751 525
    16 60,331 760 532
    17 61,091 770 539
    18 61,861 779 546
    19 62,640 789 552
    20 63,429 799 559
    TOTAL $14,229 $9,960
  • 2
    ONLINE SAVINGS
    Bank
    -
    $50,000
    N.A.
    4.00%
    17.70x (National Avg. - 0.23%)
    $1,000
    -
    SCENARIO
    Year Rate
    4.00%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 2,000 1,400
    2 52,000 2,080 1,456
    3 54,080 2,163 1,514
    4 56,243 2,250 1,575
    5 58,493 2,340 1,638
    6 60,833 2,433 1,703
    7 63,266 2,531 1,771
    8 65,797 2,632 1,842
    9 68,428 2,737 1,916
    10 71,166 2,847 1,993
    11 74,012 2,960 2,072
    12 76,973 3,079 2,155
    13 80,052 3,202 2,241
    14 83,254 3,330 2,331
    15 86,584 3,463 2,424
    16 90,047 3,602 2,521
    17 93,649 3,746 2,622
    18 97,395 3,896 2,727
    19 101,291 4,052 2,836
    20 105,342 4,214 2,950
    TOTAL $59,556 $41,689