New BillPay Update

Our BillPay product is being updated! New features will include: the ability to set up payment reminders, the ability to pay from multiple checking accounts, and the ability to search for a vendor/payee! You will receive a detailed message in your inbox once you log into Online Banking, so be sure to check your messages!

* Palmer Branch NEWS *

Effective September 1, 2017, our Palmer location was issued a new physical address by Ellis County. Our new physical address is: 8045 N. Interstate 45 Service Rd, Palmer, TX 75152. Our post office box was not affected. Our mailing address is still: P.O. Box 820, Palmer, TX 75152. Please update any correspondence you may have saved for our Palmer location that includes a physical address. If you have any questions, please call us at (972) 449-2283.

About Us

Since our 1930 Charter, Commercial State Bank has taken pride in servicing the residents and businesses in our community and surrounding areas. Commercial State Bank is a locally owned and operated community bank. We are FDIC insured and an Equal Housing Lender. Commercial State Bank is currently approximately $70,582,000.00 in assets.


Commercial State Bank’s mission is to meet the needs of the market we serve by providing community leadership and quality financial services. We are proud to be able to assist our customers with their financial decisions. Allow us to share our many years of banking/lending experience with you. We are dedicated to earning customer dependability by offering our highest level of personalized customer service.


Our financial services include a range of things from competitive loan and deposit rates to convenient telephone and online banking. See our ‘Services’ tab to view all the great products and services we have to offer! Questions? Comments? Internet Banking Help? Click on the ‘Contact Us’ tab and call or e-mail us today to experience first-hand our excellent customer service!