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Commercial State Bank of Wagner

Wagner, SD · Cert 9932 · Commercial Holding Co.

State charter, non-member · FDIC · 1 branch

Q2 2026

$260.4MAssets
$155.7MLoans
$218.8MDeposits
$29.0MEquity
Loan mix
79%RE $81.6M16%C&I $16.2M6%Consumer $6.0MQ2 2025Q2 2026
Deposit mix
84%Interest-bearing $182.9M16%Noninterest $35.9MQ2 2025Q2 2026

NIM

5.19%Q2 ’245.59%Q2 ’255.93%Q2 ’26+14%+14%

Non-interest income vs. expense

1.91%Q2 ’241.94%Q2 ’252.24%Q2 ’26+1%+18%

Executive Summary

  • Earnings: ROA of 2.12%, up 41 bps year over year; NIM at 4.23%.
  • Asset quality: problem loans at 2.29% of loans (+77 bps YoY), with net recoveries of 0.63%.
  • Capital: tier 1 leverage ratio of 11.82%, up 54 bps from a year ago.
  • Funding: loans stand at 71.16% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.12%+41 bps YoY

Net Interest Margin (YTD, annualized)

4.23%+54 bps YoY

Efficiency Ratio (YTD, annualized)

49.12%+75 bps YoY

Tier 1 Leverage Ratio

11.82%+54 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.72%1.67%1.53%2.22%2.12%+41 bps
Return on Equity18.51%17.44%15.63%20.91%19.67%+116 bps
Net Interest Margin3.70%3.83%3.85%4.21%4.23%+54 bps
Efficiency Ratio48.36%47.54%47.48%54.24%49.12%+75 bps
Non-Interest Burden1.62%1.66%1.67%2.13%1.92%+29 bps
Growth
Asset Growth (YoY)1.91%1.32%2.45%3.46%2.65%+75 bps
Loan Growth (YoY)11.81%10.95%10.32%9.10%4.59%-722 bps
Deposit Growth (YoY)-2.23%-2.76%-2.93%2.44%-1.12%+112 bps
Asset Quality
Nonperforming Loans / Loans1.52%1.59%2.34%2.08%2.29%+77 bps
Net Charge-Offs / Loans-0.40%-0.19%-0.14%-1.23%-0.63%-23 bps
Allowance / Loans1.24%1.32%1.26%1.29%1.28%+4 bps
Allowance Coverage of NPLs0.8x0.8x0.5x0.6x0.6x-0.3x
Capital
Tier 1 Leverage Ratio11.28%11.52%11.46%11.60%11.82%+54 bps
Total Risk-Based Capital11.28%11.52%11.46%11.60%11.82%+54 bps
Equity / Assets9.62%10.45%10.80%10.44%11.15%+153 bps
Liquidity & Funding
Loans / Deposits67.28%69.37%74.91%67.15%71.16%+388 bps
Liquid Assets / Assets1.16%1.06%1.12%4.24%1.72%+57 bps
CRE / Total Capitaln/a74.35%80.56%70.62%n/an/a