Security State Bank of Wanamingo, Incorporated
Wanamingo, MN · Cert 18378 · Peer group: banks under $1B in assets in MN (n=111-113) · Wanamingo Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
$112.7MAssets
$95.0MLoans
$96.7MDeposits
$12.8MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in MN (rank 12 of 111).
- Widest gap: total risk-based capital ratio trails 82% of banks under $1B in assets in MN (rank 93 of 113).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.74%
Rank 14 of 113
Net Interest Margin
4.10%
Rank 40 of 113
Efficiency Ratio
45.51%
Rank 7 of 113
Equity / Assets
11.36%
Rank 40 of 113
Non-interest income vs. expense
Unfavorable gap of $2.0M · efficiency ratio beats 95% 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 | 1.74% | 0.87% | 1.20% | 1.41% | Beats 88% | 14 / 113 | | |
| Return on Equity | 15.33% | 8.92% | 11.27% | 13.99% | Beats 81% | 22 / 113 | | |
| Net Interest Margin | 4.10% | 3.42% | 3.88% | 4.31% | Beats 65% | 40 / 113 | | |
| Efficiency Ratio | 45.51% | 54.13% | 61.48% | 69.86% | Beats 95% | 7 / 113 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.58% | 1.82% | Beats 100% | 12 / 111 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.04% | Beats 57% | 50 / 111 | | |
| Capital |
| Tier 1 Capital Ratio | 11.37% | 11.53% | 13.31% | 18.13% | Beats 21% | 89 / 113 | | |
| Total Risk-Based Capital Ratio | 11.37% | 12.12% | 14.43% | 19.39% | Beats 18% | 93 / 113 | | |
| Equity / Assets | 11.36% | 8.52% | 10.10% | 11.94% | Beats 65% | 40 / 113 | | |
| Liquidity & Funding |
| Loans / Deposits | 98.22% | 62.08% | 77.32% | 88.06% | 87th pctl | 14 / 111 | | |
| Loans / Assets | 84.29% | 55.01% | 66.35% | 75.50% | 90th pctl | 11 / 113 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |