Wadena State Bank
Wadena, MN · Cert 13430 · Peer group: banks under $1B in assets in MN (n=112-114) · Wadena Bankshares Inc.
State charter, Fed member · FED · 4 branches
Q2 2026
$206.6MAssets
$131.6MLoans
$187.9MDeposits
$17.9MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in MN (rank 36 of 112).
- Widest gap: total risk-based capital ratio trails 96% of banks under $1B in assets in MN (rank 109 of 114).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.59%
Rank 20 of 114
Net Interest Margin
4.26%
Rank 34 of 114
Efficiency Ratio
54.70%
Rank 32 of 114
Equity / Assets
8.67%
Rank 83 of 114
Non-interest income vs. expense
Unfavorable gap of $4.5M · efficiency ratio beats 73% of banks under $1B in assets in MN | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.59% | 0.87% | 1.20% | 1.41% | Beats 82% | 20 / 114 | | |
| Return on Equity | 18.29% | 8.92% | 11.27% | 13.99% | Beats 89% | 12 / 114 | | |
| Net Interest Margin | 4.26% | 3.39% | 3.88% | 4.31% | Beats 70% | 34 / 114 | | |
| Efficiency Ratio | 54.70% | 54.13% | 61.64% | 69.86% | Beats 73% | 32 / 114 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.04% | 0.09% | 0.58% | 1.82% | Beats 83% | 20 / 112 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.04% | Beats 100% | 36 / 112 | | |
| Capital |
| Tier 1 Capital Ratio | 9.84% | 11.46% | 13.31% | 18.13% | Beats 4% | 109 / 114 | | |
| Total Risk-Based Capital Ratio | 9.84% | 12.01% | 14.43% | 19.39% | Beats 4% | 109 / 114 | | |
| Equity / Assets | 8.67% | 8.52% | 10.22% | 11.94% | Beats 27% | 83 / 114 | | |
| Liquidity & Funding |
| Loans / Deposits | 70.04% | 62.85% | 77.32% | 88.06% | 36th pctl | 72 / 112 | | |
| Loans / Assets | 63.68% | 55.01% | 66.35% | 75.50% | 43rd pctl | 65 / 114 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |