Wanda State Bank, The
Wanda, MN · Cert 1908 · Peer group: banks under $1B in assets in MN (n=111-113)
State charter, non-member · FDIC · 2 branches
Q2 2026
$229.8MAssets
$138.7MLoans
$201.3MDeposits
$27.2MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in MN (rank 36 of 111).
- Widest gap: net interest margin trails 86% of banks under $1B in assets in MN (rank 97 of 113).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.86%
Rank 86 of 113
Net Interest Margin
3.02%
Rank 97 of 113
Efficiency Ratio
64.14%
Rank 68 of 113
Equity / Assets
11.86%
Rank 31 of 113
Non-interest income vs. expense
Unfavorable gap of $4.4M · efficiency ratio beats 41% of banks under $1B in assets in MN | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.86% | 0.87% | 1.20% | 1.41% | Beats 24% | 86 / 113 | |
| Return on Equity | 7.27% | 8.92% | 11.27% | 13.99% | Beats 17% | 94 / 113 | |
| Net Interest Margin | 3.02% | 3.42% | 3.88% | 4.31% | Beats 14% | 97 / 113 | |
| Efficiency Ratio | 64.14% | 54.13% | 61.48% | 69.86% | Beats 41% | 68 / 113 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.12% | 0.09% | 0.58% | 1.82% | Beats 32% | 77 / 111 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.04% | Beats 100% | 36 / 111 | |
| Capital |
| Tier 1 Capital Ratio | 12.12% | 11.53% | 13.31% | 18.13% | Beats 37% | 71 / 113 | |
| Total Risk-Based Capital Ratio | 12.12% | 12.12% | 14.43% | 19.39% | Beats 25% | 85 / 113 | |
| Equity / Assets | 11.86% | 8.52% | 10.10% | 11.94% | Beats 73% | 31 / 113 | |
| Liquidity & Funding |
| Loans / Deposits | 68.92% | 62.08% | 77.32% | 88.06% | 32nd pctl | 75 / 111 | |
| Loans / Assets | 60.37% | 55.01% | 66.35% | 75.50% | 36th pctl | 72 / 113 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |