Commercial State Bank was chartered as a state bank in 1921 in El Campo, Texas. The bank at one time was the largest bank in Wharton County through the early 1980’s. In mid-2010, J. Nolan Bedford and Harry J. Brooks began working with the owners of Commercial State Bank to purchase the majority of the bank ownership.
With the additional capital, the equity of the bank was effectively doubled. The new management team brought an extensive network in the Houston market and 80+ years of combined banking experience. As combined, Commercial State Bank will have total assets of approximately $255 million and will operate from four locations: El Campo, which covers Southwest Harris and Wharton County; Fulshear, which covers West Houston, Katy, and Fort Bend County; Humble, which covers Northwest and North Houston; and Palacios, which will cover Bay City and all of Matagorda County.
Our philosophy is to foster personal relationships with individuals and business owners, serving the residents and small businesses of the markets that we serve. Personalized service is delivered by a staff of knowledgeable and devoted banking professionals.
There are nine loan officers providing loans for consumers, real estate, and commercial purposes. Commercial loans are available for agriculture, accounts receivable, inventory, equipment acquisitions, and expansion financing.