Wagner, SD · Cert 9932 · Commercial Holding Co.
State charter, non-member · FDIC · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
38
Asset Quality
13
Profitability
88
Liquidity
70
Efficiency
90
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Wagner, SD · Cert 9932 · Commercial Holding Co.
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.15% | 1.19% | 1.76% | 1.72% | 1.67% | 1.53% | 2.22% | 2.12% | +41 bps | |
| Return on Equity | 12.86% | 13.21% | 19.31% | 18.51% | 17.44% | 15.63% | 20.91% | 19.67% | +116 bps | |
| Net Interest Margin | 3.17% | 3.27% | 3.58% | 3.70% | 3.83% | 3.85% | 4.21% | 4.23% | +54 bps | |
| Efficiency Ratio | 53.87% | 50.65% | 53.99% | 48.36% | 47.54% | 47.48% | 54.24% | 49.12% | +75 bps | |
| Non-Interest Burden | 1.56% | 1.49% | 1.79% | 1.62% | 1.66% | 1.67% | 2.13% | 1.92% | +29 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.11% | 0.08% | -0.02% | 1.91% | 1.32% | 2.45% | 3.46% | 2.65% | +75 bps | |
| Loan Growth (YoY) | 2.39% | 2.74% | 2.15% | 11.81% | 10.95% | 10.32% | 9.10% | 4.59% | -722 bps | |
| Deposit Growth (YoY) | 6.78% | -0.13% | 0.77% | -2.23% | -2.76% | -2.93% | 2.44% | -1.12% | +112 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.37% | 1.33% | 0.95% | 1.52% | 1.59% | 2.34% | 2.08% | 2.29% | +77 bps | |
| Net Charge-Offs / Loans | 0.20% | 0.55% | -0.73% | -0.40% | -0.19% | -0.14% | -1.23% | -0.63% | -23 bps | |
| Allowance / Loans | 1.28% | 1.15% | 1.16% | 1.24% | 1.32% | 1.26% | 1.29% | 1.28% | +4 bps | |
| Allowance Coverage of NPLs | 0.5x | 0.9x | 1.2x | 0.8x | 0.8x | 0.5x | 0.6x | 0.6x | -0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.71% | 10.75% | 11.00% | 11.28% | 11.52% | 11.46% | 11.60% | 11.82% | +54 bps | |
| Total Risk-Based Capital | 10.71% | 10.75% | 11.00% | 11.28% | 11.52% | 11.46% | 11.60% | 11.82% | +54 bps | |
| Equity / Assets | 9.67% | 8.99% | 9.23% | 9.62% | 10.45% | 10.80% | 10.44% | 11.15% | +153 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 60.79% | 65.92% | 63.05% | 67.28% | 69.37% | 74.91% | 67.15% | 71.16% | +388 bps | |
| Liquid Assets / Assets | 2.71% | 1.04% | 3.85% | 1.16% | 1.06% | 1.12% | 4.24% | 1.72% | +57 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 74.35% | 80.56% | 70.62% | n/a | n/a | |
Wagner, SD · Cert 9932 · Peer group: banks under $1B in assets (n=581-629) · Commercial Holding Co.
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets
2.12%
Rank 66 of 629
Net Interest Margin
4.23%
Rank 113 of 629
Efficiency Ratio
49.12%
Rank 65 of 629
Equity / Assets
11.15%
Rank 277 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 2.12% | 0.60% | 1.01% | 1.45% | Beats 90% | 66 / 629 | ||
| Return on Equity | 18.98% | 5.38% | 9.30% | 13.28% | Beats 92% | 51 / 629 | ||
| Net Interest Margin | 4.23% | 3.03% | 3.54% | 4.05% | Beats 82% | 113 / 629 | ||
| Efficiency Ratio | 49.12% | 58.35% | 67.79% | 79.08% | Beats 90% | 65 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.29% | 0.09% | 0.46% | 1.20% | Beats 11% | 517 / 581 | ||
| Net Charge-Offs / Loans | 0.12% | n/a | 0.01% | 0.06% | Beats 14% | 498 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.82% | 11.24% | 13.84% | 18.77% | Beats 31% | 432 / 629 | ||
| Total Risk-Based Capital Ratio | 11.82% | 11.58% | 14.43% | 19.66% | Beats 27% | 462 / 629 | ||
| Equity / Assets | 11.15% | 9.09% | 10.65% | 13.80% | Beats 56% | 277 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 71.16% | 67.24% | 80.90% | 93.48% | 32nd pctl | 401 / 594 | ||
| Loans / Assets | 59.77% | 53.31% | 67.71% | 78.15% | 34th pctl | 416 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||