Wadena, MN · Cert 13430 · Wadena Bankshares Inc.
State charter, Fed member · FED · 4 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.43% | 1.43% | 1.82% | 1.40% | 1.79% | +37 bps | |
| Return on Equity | 18.53% | 17.67% | 20.68% | 16.13% | 21.28% | +275 bps | |
| Net Interest Margin | 4.14% | 4.28% | 4.39% | 4.22% | 4.31% | +17 bps | |
| Efficiency Ratio | 58.91% | 59.49% | 50.60% | 59.27% | 50.25% | -866 bps | |
| Non-Interest Burden | 2.29% | 2.41% | 2.05% | 2.37% | 2.00% | -29 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.30% | 1.69% | 2.17% | 1.85% | 1.07% | -123 bps | |
| Loan Growth (YoY) | 9.53% | 4.35% | 2.34% | 4.47% | -2.19% | -1,172 bps | |
| Deposit Growth (YoY) | 0.48% | 2.33% | 1.51% | 1.03% | 3.08% | +260 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.47% | 0.23% | 0.10% | 0.39% | 0.04% | -43 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.00% | 0.00% | -0.06% | -7 bps | |
| Allowance / Loans | 0.92% | 0.91% | 0.92% | 0.90% | 0.95% | +4 bps | |
| Allowance Coverage of NPLs | 2.0x | 4.0x | 9.6x | 2.3x | 23.7x | +21.7x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.55% | 9.76% | 10.18% | 9.48% | 9.84% | +29 bps | |
| Total Risk-Based Capital | 9.55% | 9.76% | 10.18% | 9.48% | 9.84% | +29 bps | |
| Equity / Assets | 7.82% | 8.39% | 9.18% | 8.18% | 8.67% | +85 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 73.81% | 71.26% | 72.09% | 73.44% | 70.04% | -377 bps | |
| Liquid Assets / Assets | 3.46% | 4.71% | 2.67% | 2.78% | 6.45% | +299 bps | |
| CRE / Total Capital | n/a | 167.52% | 142.98% | 157.30% | n/a | n/a | |