Commercial State Bank
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Community Reinvestment Act


This Community Reinvestment Act Statement defines the communities which Commercial State Bank considers to be its service areas and lists the types of loans which the bank is prepared to extend within those areas.

DEFINITION OF COMMUNITY: The communities to be served by Commercial State Bank are located in the regions of Andrews, Midland, Gaines, Ector and Lubbock counties.

TYPE OF LOANS:
  • Commercial and Business Loans
  • Consumer Installment Loans
  • Business Real Estate Loans
  • Residential Real Estate Loans
  • Home Improvement Loans
  • Equipment Loans
  • MasterCard Charge Cards
  • Visa Charge Cards
  • SBA Guaranteed Loans
  • Student Loans through correspondent bank

GENERAL POLICIES: It is the policy of Commercial State Bank to serve all credit worthy members of the Community Service Area without regard to any arbitrary lines which exclude any area of the communities.

In ascertaining the credit needs of the communities, civic clubs, the Chamber of Commerce, church groups, and community leaders were contacted to express their views on this matter. Commercial State Bank is convinced that the strongest indicators of how credit needs are being met in the communities it serves is through the loans being made as a result of the banks loan demand. The loan requests are acted upon without regard to the section of the community the applicant resides in.





Equal Housing Lender
Equal Housing Lender