Commercial State Bank of Wagner
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
$260.4MAssets
$155.7MLoans
$218.8MDeposits
$29.0MEquity
Executive Summary
- Strongest standing: return on equity outperforms 92% of banks under $1B in assets (rank 51 of 629).
- Widest gap: nonperforming loans / loans trails 89% of banks under $1B in assets (rank 517 of 581).
- Overall: at or above the peer median on 5 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $5.0M · efficiency ratio beats 90% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |